Which one is more suitable, credit card borrowing or cash withdrawal? 1. Borrowing limit Credit card borrowing is usually a special limit cash installment business. It is handled outside the credit card limit and will not occupy the credit card limit. The maximum limit can be 300,000 yuan. Although the limit varies depending on the qualifications, it is basically higher than the credit card limit. ; A credit card limit increase can only withdraw funds up to 50% of the credit limit. For example, 10,000 yuan can withdraw up to 5,000 yuan. 2. Borrowing fees Credit card borrowings can enjoy the interest-free period, and only need to pay the handling fee, which is divided into one-time payment and installment payment. The expected annual rate is around 18; credit card withdrawals do not enjoy the interest-free period, starting from the date of withdrawal Interest will be calculated at a daily interest rate of 0.5%, and a withdrawal fee of 1 to 3% will be charged, which is relatively high. 3. Repayment pressure. Credit card borrowing periods range from 3 to 24 periods, and some can be as long as 36 periods. You only need to pay back part of the handling fee and principal every month. The repayment pressure is still relatively small; you can withdraw the principal with a credit card. And the interest fees incurred, when the next bill comes out, you have to repay it in full at once. You can't repay it at the minimum or in installments, which is quite stressful. The above is the relevant introduction to "Which is suitable for credit card borrowing or cash withdrawal". In short, from the comparison of three aspects, it is more cost-effective and less stressful to borrow money with a credit card. However, credit card borrowing is usually only available to high-quality bank customers. It is recommended that cardholders maintain good card usage behavior and have lower debts to have a chance to qualify.