1. The most basic condition for the first credit card withdrawal is that the average monthly consumption is above 30% of the limit, and there is no bad record in the last 6 months.

2. The second condition is that the types of merchants who spend credit cards should be as diverse as possible: shopping malls, supermarkets, gas stations, restaurants, hotels, tourism, entertainment places and so on. Online shopping banks are not welcome. (Because in shopping malls, supermarkets, hotels and other places, when using credit cards for POS transactions, merchants need to pay a certain percentage of handling fees to banks according to the transaction amount, and online banks cannot obtain income. )-Because you spend most of your time shopping online, the system scores the lowest.

3. Bank of Communications can only take the initiative to invite credit card withdrawals, and cardholders are not allowed to take the initiative to apply for cash withdrawals, which means that the bank will inform cardholders to withdraw cash within a certain period of time according to the cardholder's system points.