There are no geographical restrictions on credit cards, and cash advance fees are the same across the country. Credit card cash advance will charge handling fees and interest (including our bank's or other banks' ATMs, counters, online banking and telephone cash advances): Handling fee: Domestic RMB is calculated as 1% per transaction, with a minimum charge of RMB 10/transaction, overseas ( (Including Hong Kong, Macao, and Taiwan) calculated at 3% per transaction, with a minimum charge of ￥30/transaction or $3/transaction (minimum charge of AE Platinum and Black Gold overseas is $5 per transaction). Interest: Cash advances do not enjoy interest-free repayment. Interest will be charged at a daily interest rate of 5/10,000 from the transaction date to the repayment date, and compound interest will be charged on a monthly basis.