1. CCB credit card can withdraw cash. However, the cash withdrawal part of the credit card cannot enjoy the interest-free period, and the bank will charge the cardholder interest at the rate of five ten thousandths per day from the date of cash withdrawal. And the cash withdrawal part of the credit card cannot be applied for installment, and it can only be included in the next bill for one-time repayment, with a charge of 5%, ranging from the lowest in 2 yuan to the highest in 50 yuan. The central government of the municipality directly under the central government can only withdraw the free overpayment from the Construction Bank. There is another situation. For example, Bank of Ningbo's credit card cash withdrawal overpayment is only free of charge in Ningbo, and it is charged in other places in Zhejiang. Similarly, if Hangzhou Bank uses a credit card, there is no charge anywhere in Zhejiang except Ningbo.
2. If there is deposit (i.e. overpayment) in your card, it can be handled in the following ways: (1) Transfer the overpayment to the bank savings account in my name (i.e. cash transfer) through mobile banking, online banking, ATM, STM, outlet counter, etc. It is free to transfer the overpaid part to the bank account in the same city, and it is free to transfer the overpaid part. (2) The local bank will be exempted from handling fees and interest for the overpaid part of the withdrawal through CCB branches or CCB self-service terminals.
3. 3% of the withdrawal amount will be charged for the exit of the local currency bank, the sign of VISA or MasterCard, and the sign of ATM marked with "+"or "volume", and the minimum withdrawal fee will be US$ 3 (Euro3 for European tourist card, global payment card 18 yuan); Use the ATM with UnionPay logo to withdraw cash. The handling fee is 12 yuan+1% of the cash withdrawal amount, and the minimum is 14 yuan. Some credit card friends will mistakenly deposit it in their credit cards (credit cards don't need deposits, they just need to spend first and then repay). If there is no consumption, promote credit card deposit, and then the money will be gone. If you want, you will charge a high handling fee and try to avoid it. Pay more without interest.
If it is overpaid, the local bank will not attract people's interest if it does not charge the current handling fee (the so-called place is where the credit card issuer is located in the administrative province, such as Suzhou, Suzhou Branch of the credit card issuer, and then no handling fee will be charged in Jiangsu Province. On the contrary, if the bank is outside the province, there may be a cash handling fee.