As you said, there is no interest-free period for credit card cash withdrawals. At present, after overdraft and cash withdrawal on credit cards issued by all domestic banks, the repayment must be exchanged for interest. Banks encourage cardholders to swipe their cards, but do not encourage them to withdraw cash. Therefore, not only is there interest, many banks also charge cash withdrawal fees ranging from 1% to 3%.

If you want to convert the credit limit in your credit card into cash without paying interest, you can cash out in the following ways:

1. Cash out at POS machine, find a friend you are familiar with or For individual shops, you can directly swipe your credit card, and the shop owner will pay you cash and charge you a handling fee, usually 1-2% or even higher, to help you cash out.

2. Cashing out in shopping malls: Nowadays, large shopping malls will encounter many people who cash out with credit cards. These people are called "scalpers". These people will wait at the shopping mall toll booth and see people paying with cash. They will discuss it, help you settle the bill, and the cash will be his. Of course, you will also benefit. Usually, he will erase the change from the bill and help him cash out.

3. Pay for a friend. If you are spending money with your friends, you can take the initiative to pay the bill and swipe your credit card, and then ask others to give you cash. In this way, you can indirectly cash out.

However, there are risks in using credit cards to cash out illegally. Once the bank discovers any suspected cash-out behavior, it is likely to freeze your credit card or reduce your credit limit, or even leave a bad record, so it is recommended to use Use your credit card the normal way.