If you are using our bank’s credit card, you can only operate the cash advance function if you have activated the cash advance function and have a cash advance limit in your account.
Our bank’s credit card supports cash advance through ATM, bank counter, online banking and telephone.
Each credit card needs to set a transaction password and keep the cash advance function enabled before cash can be withdrawn.
Access method: Log in to credit card online banking, click "Card Management" → "Transaction Password Management", and follow the prompts.
More ways
Mobile banking: Log in to credit card mobile banking, enter "Card Management" → "Transaction Password Management" and follow the prompts.
Phone voice: Call the credit card service hotline, after verifying your identity, press 3, and then press 3 again to enter "Transaction Password Setting and Modification".
Handling fees, interest and limit limits
Handling fees: Domestic RMB cash advance handling fee is 1% of the amount of each cash withdrawal, with a minimum charge of RMB 10 per transaction; overseas RMB cash advance The handling fee for borrowing cash is 3% of the amount of each cash withdrawal, with a minimum charge of US$3 or RMB 30 per transaction (American Express-Centurion Black Gold Card, American Express-Centurion Platinum Card charges a minimum charge of US$5 per transaction or RMB 30). There is no inter-bank handling fee for cash advance.
Interest: Cash advance does not enjoy interest-free repayment. From the day of cash withdrawal to the date of settlement, interest will be charged at a daily interest rate of 5/10,000, and compound interest will be charged on a monthly basis.
Limit limit: The cash advance limit is generally 50% of the credit limit (except for cards with special regulations). At the same time, the daily cumulative cash advance amount of each domestic card is capped at RMB 2,000; the daily cumulative cash advance amount of each household for overseas non-UnionPay lines shall not exceed the equivalent of US$1,000, and the cumulative amount within one month shall not exceed the equivalent of US$5,000. , the cumulative amount within 6 months does not exceed the equivalent of US$10,000.