Credit card overdraft withdrawal method:
1, overdraft cash withdrawal is a small cash loan provided by banks to cardholders to help them flexibly allocate funds when they are in urgent need.
2. Overpayment cash withdrawal refers to the funds paid by credit card customers or deposited in credit card accounts, and it takes certain formalities to take out the overpayment. This amount can increase the available credit limit of the cardholder's credit card, or be directly used for consumer repayment. If the credit card has overpayment, the overpayment shall be deducted first, and then the credit line shall be deducted. If the overpayment is greater than the consumption amount, there will be no overdraft.
Bank credit card withdrawal fee:
Domestic banks: cash withdrawal amount 1%, minimum 1 yuan.
Other domestic banks: (65438+ 0% of cash withdrawal amount+2 yuan)/transaction, minimum 3 yuan.
Overseas (UnionPay network): (65438+ 0% of the withdrawal amount+12 yuan)/transaction.
Overseas (non-bank network): 3% of the cash withdrawal amount, with a minimum of USD 3 (or equivalent in other foreign currencies).