Credit cards cannot be repaid directly, but can only be cashed out. 1 Go directly to UnionPay to withdraw money. In this case, you can only withdraw half of the credit limit. If the credit limit is 40 thousand, then you can withdraw 20 thousand at most.

The second way is virtual consumption. Merchants charge a small amount of money and give you cash directly, but the bank doesn't know how you got it, so it is regarded as shopping consumption and has an interest-free period. As long as it is paid off within the specified time, it will not generate interest.