The cash withdrawal method of Minsheng Bank credit card and the calculation method of handling fee and interest;

First, Minsheng Bank credit card withdrawal method

1. Cash withdrawal method

Credit card users of China Minsheng Bank can withdraw cash from domestic and overseas ATMs that display UnionPay logo or VISA logo on your credit card with the transaction password. You can also withdraw your local currency at the counter of Minsheng Bank outlets or the bank outlets marked by overseas credit card organizations or companies such as VISA.

2. Cash withdrawal limit

The credit card withdrawal amount of Minsheng Bank generally does not exceed 50% of the credit card amount, and the cumulative daily withdrawal times of ATM withdrawal do not exceed 3 times, and the cumulative amount does not exceed 2,000 yuan; The daily cumulative cash withdrawal amount for overseas cash withdrawal shall not exceed USD 65,438+0,000 or equivalent foreign currency, and the cumulative cash withdrawal amount for the current month shall not exceed USD 5,000 or equivalent foreign currency; The cumulative daily withdrawal amount of Hong Kong UnionPay ATM shall not exceed HK$ 2,000.

Second, Minsheng Bank credit card withdrawal fee and interest

1, credit card withdrawal fee of Minsheng Bank

(1) Cash withdrawal from the counter or ATM equipment of China Minsheng Bank: a handling fee of 0.5% of the cash withdrawal amount is charged, with a minimum of 1 RMB per transaction;

(2) Cash withdrawal at other domestic bank counters or ATM equipment: the handling fee is 1% of the cash withdrawal amount, with a minimum of 1 RMB per transaction;

(3) Charge standard for overseas cash withdrawal: 3% of the cash withdrawal amount, with a minimum charge of USD 3/EUR 2/GBP 2/AUD 4/CAD 4/JPY 300;

(4) Charge standard for withdrawing RMB overpayment: There is no charge for retrieving the overpayment through the ATM and the counter of Minsheng Bank, and the charge for retrieving the overpayment through other banks is 1%, with a minimum of 1 yuan;

(5) Charge standard for partial withdrawal of foreign currency overpayment: 3% of the cash withdrawal amount, with a minimum of USD 3/EUR 2/GBP 2/AUD 4/CAD 4/JPY 300.

2. Cash interest of Minsheng Bank credit card.

Minsheng Bank's credit card withdrawal has no interest-free repayment period, and overdraft interest is compounded at the rate of five ten thousandths per day from the overdraft trading day. Take 1 1,000 yuan withdrawn from ATM as an example, and the daily interest is 1 1,000 yuan * 0.05% =0.5 yuan.