It is possible to withdraw funds beyond the credit card limit, but you need to pay attention to the relevant fees and regulations. The main methods of cash withdrawal include overdraft cash withdrawal and overpayment cash withdrawal. Overdraft withdrawals usually require interest, which is accrued from the date of withdrawal, while overdraft withdrawals may be interest-free, but some handling fees will be paid, which may vary depending on the bank. The overdraft cash withdrawal limit usually does not exceed 50% of the credit limit, and the daily ATM cash withdrawal limit is 2,000 yuan.

However, there are some limitations and costs with credit card withdrawals. The cash withdrawal portion cannot be repaid in installments, and the full amount will be included in the minimum repayment amount. Late repayment will damage your credit. In addition, cash withdrawals will incur high handling fees, and you will no longer enjoy the interest-free period after withdrawing cash. Interest is usually calculated on a daily basis until the balance is paid off. The bank may therefore believe that the cardholder's repayment ability is limited, which will affect subsequent limit adjustment applications. Therefore, unless necessary, try to avoid frequent or large cash withdrawals to avoid increasing repayment pressure.

Understanding these rules can help you plan your credit card use appropriately and avoid unnecessary fees and credit risks. For specific operations and fee details, it is recommended to refer to the bank’s official instructions or Baidu Encyclopedia’s credit card cash withdrawal and credit card related content.