How much are the cash withdrawal fees and interest of Agricultural Bank of China credit card? How is it collected?

As one of the four major banks in China, Agricultural Bank of China has many customers. Many people have applied for Agricultural Bank of China credit cards. In addition to frequently using credit cards for consumption, people also withdraw cash from credit cards. So, how much are the cash withdrawal fees and interest of Agricultural Bank of China credit card? How is it collected? Let me answer it for you today.

1. Handling Fees

Agricultural Bank of China's credit card handling fees are collected differently at home and abroad, and the methods of cash withdrawal are different, so the handling fees are also different.

1. Domestic: If the domestic bank withdraws cash, the handling fee is calculated based on 1% of the cash withdrawal amount, and the minimum is only 1 yuan/transaction; if the domestic bank withdraws cash, the handling fee is based on the cash withdrawal amount. It is charged 1% + 2 yuan, with a minimum of 3 yuan/transaction; if it is an emergency domestic cash withdrawal, the handling fee is calculated based on 2% of the cash withdrawal amount, and a minimum of 2 yuan will be charged.

Overseas: If you withdraw cash via UnionPay overseas, the handling fee is 1% of the cash withdrawal amount + 12 yuan; if you withdraw cash overseas via non-UnionPay, the handling fee is based on the amount of cash withdrawal. Calculated at 3% of the amount, the minimum requirement is US$3 per transaction.

2. Interest

Agricultural Bank of China's credit card cash withdrawal interest is charged at a daily interest rate of 5/10,000 from the day of the cash withdrawal transaction, and compound interest will be calculated monthly.

The above is a summary of the handling fees and interest required for cash withdrawals with Agricultural Bank of China credit cards. The handling fees will vary depending on the location and method of cash withdrawal. Friends who need to withdraw cash from their Agricultural Bank of China credit cards You can refer to the above content to get a general understanding of how much handling fees and interest it will cost if you withdraw cash by yourself.

What fees are charged for cash withdrawals with Agricultural Bank of China credit cards?

1. Agricultural Bank of China credit card cash withdrawal handling fee - cash advance handling fee

(1). Domestic banks: 1% of the cash withdrawal amount, minimum RMB 1 yuan/transaction

(2). Domestic other banks: 1% of the cash withdrawal amount + 2 yuan, minimum RMB 3 yuan/transaction

(3) Overseas (UnionPay network): 1% of the cash withdrawal amount 1% + 12 yuan

(4) Overseas (non-UnionPay network): 3% of the cash withdrawal amount, minimum USD 3/transaction (or equivalent in other foreign currencies)

2. Agricultural Bank of China credit card cash withdrawal fee - withdrawal of overpayment

(1), Domestic Bank: 1% of the cash withdrawal amount, minimum RMB 1 yuan/transaction

(2) . Domestic other banks: 1% of the cash withdrawal amount + 2 yuan, with a minimum of 3 yuan/transaction

(3). Domestic withdrawals from foreign currency accounts: 1% of the transaction amount, with a minimum of 1 USD/transaction (or etc. value in other foreign currencies)

(4), Overseas (UnionPay network): 1% of the cash withdrawal amount + 12 yuan

(5), Overseas (non-UnionPay network): 1% of the cash withdrawal amount 3%, minimum USD 3/transaction (or equivalent in other foreign currencies)

Agricultural Bank of China credit card cash withdrawal interest

Agricultural Bank of China credit card cash withdrawal does not enjoy the interest-free period, starting from the overdraft withdrawal transaction date Interest will be charged based on the daily expected annualized interest rate of 0.05%, and compound interest will be collected on a monthly basis.

2. Agricultural Bank of China credit card cash withdrawal interest calculation method

Agricultural Bank of China, in accordance with the unified regulations of the People's Bank of China, expects an annualized interest rate of 0.05% on the day of collection, and compound interest is calculated on a monthly basis. (No interest will be calculated during the interest-free period) The interest-free repayment period is an interest-free treatment limited to consumption transactions provided to cardholders who repay in full on time. The interest-free period starts from the bank accounting date to the due repayment date, with a maximum of 56 days and a minimum of 25 days.

If the credit card statement date is the 20th of each month, the repayment due date is the 15th of each month, and 5,000 yuan is withdrawn from an ATM on August 1st, the charges on the statement date of August 15th will be Then it is: 5,000 yuan > There is no handling fee for repaying the Agricultural Bank of China credit card in full and on time, but if the cardholder applies for installment repayment, he or she will need to pay a certain credit card repayment handling fee based on the number of installments.

The installment fee standards for Agricultural Bank of China credit card consumption are as follows:

The number of installments: 3, 6, 9, 12, 24.

Instalment handling rates: 1.8%, 3.6%, 5.4%, 7.2%, 14.4%.

Agricultural Bank of China installment fee: The minimum installment amount is a minimum of 500 yuan or 50 US dollars or euros, and the maximum amount can reach 90% of the total bill consumption.

After the cardholder successfully applies for the installment, the credit card limit will be occupied. Of course, the occupied credit limit will gradually recover with the repayment of each installment until the last installment or all installments are repaid in advance.

For more information on whether Agricultural Bank of China charges a credit card handling fee, please enter: View more content

How to calculate the installment handling fee for Agricultural Bank of China's credit card

The handling fee for each installment The installment payment is 0.6% of the principal, accurate to the nearest digit, and the handling fee is charged monthly. Cash installment is a one-time charge, and the handling fee is 0.7% of the principal period. The one-month cash installment fee is: 6000×0.6%=36 yuan The two-year cash installment fee is: 6000×0.6%x12x2=864 yuan 1. How to apply for bill installment: 1. Call the credit card customer service hotline 40066-95599 to apply for bill installment . 2. Log in to the Palm Bank APP, select "Credit Card" - "Instalment Repayment" to apply for bill installment. 3. Log in to personal online banking and click "Credit Card" - "Instalment" - "Bill Installment". 4. Follow the "Agricultural Bank of China Credit Card" WeChat official account, click "My Card" - "Apply for Installment" at the bottom of the page to apply for bill installment. 2. How to apply for consumption installment: 1. Call the credit card customer service hotline 40066-95599 to apply for consumption installment. 2. Log in to the Palm Bank APP, select "Credit Card" - "Bill Inquiry" - "Unissued Bill", and try to apply for consumption installment. 3. Log in to personal online banking and click "Credit Card" - "Instalment" - "Consumption Installment". 4. Follow the "Agricultural Bank of China Credit Card" WeChat official account, click "My Card" - "Apply for Installment" at the bottom of the page to apply for consumption installment. 3. How to apply for cash installment: 1. Call the credit card customer service hotline 40066-95599 to apply for cash installment. 2. Log in to the Palm Bank APP and select "Credit Card" - "Cash Installment". 3. Log in to personal online banking and click "Credit Card" - "Instalment" - "Cash Installment". Warm reminder:

1. After the installment application is successful, overpayment will not automatically repay the undue principal of the installment. If you need to repay in advance, please call the credit card customer service hotline 40066-95599 to apply. 2. After the installment application is successful, please be sure to repay the bill in full and on time, otherwise our bank will charge interest fees; overdue repayment will also affect your credit record. After multiple overdue payments, the installment business will be automatically terminated, and you will need to pay all installments later. The balance is paid off in full at once. 1. Log in to Baidu, search for "Agricultural Bank of China Credit Card" and click on "Agricultural Bank of China". 2. Click on "Personal Services" on the menu bar. 3. Place the mouse cursor on the "Personal Services" menu and a drop-down menu will automatically appear. Click on the "Credit Card" column inside. 4. After clicking in, you will see the "Instalment Financial Management" column in the menu bar. Click to enter. 5. After clicking in, you will see various installment repayment methods. Just select the installment you need. Credit Card Installment Agreement Terms of Agricultural Bank of China Credit Card 1. Our bank has the right to independently decide whether to agree to the cash installment application and the installment amount based on internal business regulations and commercial judgment.

2. The principal payable in each cash installment is equal to the total principal of the applied cash installment divided by the number of installments, rounded to the nearest dollar, and the difference will be increased or decreased in the last installment. The installment handling fee is charged in one lump sum on the first billing date, and the total installment handling fee is calculated by multiplying the installment principal by the applicable handling rate. The principal and handling fee payable in each installment are included in the minimum repayment amount of the account for the current period and must be repaid in full at one time. 3. Once the cash installment application is successful, the cardholder shall not apply for cancellation. 4. Liquidated damages and other fees arising from cash installments are collected based on our bank's credit card regulations and receipt contracts. 5. When the cardholder repays the current repayment amount listed on the bill in full before the due repayment date, the current installment principal and handling fee will enjoy an interest-free period; if the cardholder fails to repay the payment on time, our bank will The right to calculate and charge corresponding interest and fees according to the credit card's interest calculation and charging rules. 6. If the cardholder needs to repay the loan in advance, he must call customer service to apply. The time during which you can apply for early repayment is from the date of successful installment application to before the penultimate installment bill of the installment is generated.

After the early repayment application is successful, the installment fee that has been recorded will not be refunded. Early repayment is divided into partial amount early repayment and full amount early repayment. If part of the amount is repaid early, the repayment amount must be an integral multiple of the installment principal payable in each period and the corresponding installment handling fee. Early repayment If the entire amount is repaid in advance, the repayment amount will be the entire undue installment principal and installment handling fee. After the entire amount is repaid successfully in advance, the installment will automatically end.

Can I withdraw cash with an Agricultural Bank of China credit card? How are handling fees and interest calculated?

Agricultural Bank of China credit card can withdraw cash, the handling fees and interest are as follows:

1. Agricultural Bank of China credit card cash withdrawal handling fee

1. Domestic banks: the amount of cash withdrawal 1%, minimum RMB 1 per transaction; domestic other banks: 1% of the cash withdrawal amount + 2 yuan, minimum RMB 3 per transaction.

2. Overseas (UnionPay network): 1% of the cash withdrawal amount + 12 yuan; overseas (non-bank network): 3% of the cash withdrawal amount, with a minimum of 3 US dollars per transaction (or equivalent in other foreign currencies).

2. Agricultural Bank of China’s credit card cash withdrawal interest

1. Agricultural Bank of China’s credit card cash withdrawal cannot enjoy the interest-free period, and interest will be charged at a daily interest rate of 0.05% from the day of the overdraft withdrawal transaction. Compound interest is earned on a monthly basis.

3. According to the relevant regulations of the People's Bank of China:

1. In the country, the cash advance per card shall not exceed 2,000 yuan per day, and the cash withdrawal at the ATM per card per day The amount shall not exceed RMB 5,000, and the maximum is 5 times;

2. Overseas, the cumulative daily cash withdrawal amount shall not exceed 1,000 US dollars or other equivalent foreign currencies, and the monthly cumulative cash withdrawal amount shall not exceed 5,000 US dollars or other equivalent foreign currencies. value in foreign currency.

Extended information:

Credit card use

1. Swiping cards at POS machines

1. Swiping cards at POS machines is the most common use of credit cards. method is a way of swiping cards online. When swiping a card, the operator should first check the credit card's validity period and cardholder's last name and other information.

2. Then, select the corresponding POS machine according to the card issuing bank and the currency type to be paid, and slide the magnetic stripe of the magnetic stripe credit card over the POS machine, or insert the chip credit card into the card slot to connect Bank and other payment++, enter the corresponding amount.

3. After remote payment++ accepts the information, the POS will print out a receipt (at least two copies) for payment by card. The cardholder should sign the receipt after checking that the information on the payment receipt is correct.

4. After the operator checks the signature on the receipt and the signature on the back of the credit card (including that the name completely matches and the handwriting basically matches), the operator gives the credit card and a copy of the credit card payment receipt to the cardholder. At this point, POS The card swiping process on the machine is completed.

2. Online payment

1. Online transaction password, you need to enter your name, verification code randomly generated by the web page, etc. After the input is completed, click Submit to complete the online payment.

3. TV and telephone transactions

1. Similar to online payment, ++, validity period, Visa CVV2 code/MasterCard CVC2/UnionPay CVN2 and other information are required.

Baidu Encyclopedia: +++++

This ends the introduction to the Agricultural Bank of China credit card processing fees and the lowest Agricultural Bank of China credit card processing fees. I don’t know if you will find the information you need. Already?