The cash withdrawal limit of Agricultural Bank of China’s credit card is 30% of the credit card limit. If you withdraw cash at home or abroad, you will not enjoy the interest-free treatment and you will need to pay the borrowing interest and handling fees. Each card can be withdrawn from domestic ATMs up to 5 times per day, and the daily cumulative withdrawals shall not exceed RMB 5,000; the cumulative daily cash withdrawals overseas shall not exceed US$1,000, and the cumulative monthly cash withdrawals shall not exceed US$5,000 or other equivalent foreign currencies. According to the general rules for credit card limit approval, the credit card limit has a great relationship with the card level. Generally, the overdraft limit for regular cards and gold cards is less than 50,000 yuan, and for platinum cards is generally more than 10,000 yuan. The specific overdraft limit is based on the actual approval limit. Subject to approval.

Generally speaking, if you apply for an Agricultural Bank of China credit card online, there is no need to submit relevant information, so the initial limit may be relatively low. It is recommended that cardholders swipe more cards, spend more and maintain good repayments. Record, or bring proof of personal assets and income to an Agricultural Bank of China branch to apply for an increase.

Since the vast majority of credit card holders do not have accurate calculations of their card swiping accounts, they all believe that as long as they can continue to swipe their cards, they should not exceed the limit. As for banks, they rarely remind cardholders when their card swiping exceeds the limit. Within the 10% limit, cardholders can swipe their cards successfully. At present, most banks charge over-limit fees of 5% of the over-limit amount, but banks also set minimum and maximum cap amounts. Overall, the over-limit fees of the four major state-owned commercial banks are relatively low.