Let me tell you a good thing. Hua Xia Bank stipulates that no handling fees and interest will be charged for overdraft payments. In addition, Hua Xia Bank's SMART credit card only waives cash/transfer handling fees. After overdraft withdrawals, repayment is still required. Interest is required. The cash withdrawal fee charging standards for Huaxia Bank credit cards are:

Domestic: 1% of the cash withdrawal/transfer amount, with a minimum of RMB 5;

Overseas: 1% of the cash withdrawal/transfer amount Charge, minimum RMB 15 or USD 2.

After withdrawing cash from an overdraft, you will need to pay interest when repaying the loan. Cash withdrawals from Hua Xia Bank's credit cards do not enjoy the interest-free repayment period. The daily interest rate is calculated at a daily interest rate of 5/10,000 from the transaction date of the withdrawal amount, and compound interest is calculated monthly until the cash withdrawal amount is paid off in full. For example, assuming the credit card bill date is the 1st of each month, the due date for payment is the 21st. Mr. Li withdrew 1,000 yuan in cash on June 16, and the system charged a cash withdrawal fee of 10 yuan. The cash balance shown on the bill on July 1 is 1018.08 yuan, of which the cash withdrawal interest is: (1000 10) × 0.05 × 16 days (June 16-July 1) = 8.08 yuan (interest)