In addition to overdraft consumption, Bank of Communications credit cards also provide cash services. Cardholders can borrow money through cash advances. However, many people can swipe their Bank of Communications cards, but fail to apply for cash advance services, prompting that they cannot use cash services. So, why can’t Bank of Communications cards use cash services? Come find out why today.

Why can’t I use cash services with Bank of Communications cards?

The Bank of Communications card cash service transfers the credit card limit to the bank card through cash advance. It can only be processed after the credit limit in the card is sufficient, the card status is normal, and the system review is passed. If the Bank of Communications card cannot use cash services, you can look for the reasons from these aspects.

1. The credit card cash limit is not enough: Bank of Communications card cash service does not allow you to borrow as much as you have the credit limit. You can only lend out 50% of the credit limit at most. If the credit card limit is exhausted, there will be no available limit for cash services, and you will need to make repayments and wait for the limit to be restored before processing. And if the cardholder has just repaid, the cash withdrawal limit will not be restored until the repayment is credited to the account generally 2 days later.

2. Abnormal card status or account status: Credit card cash service requires the correct password. If the card is locked if you enter the wrong password multiple times in a row, you will definitely not be able to borrow money. There are also cases where the cardholder's credit card has expired and the new card has not been activated, or the credit card has been blocked due to risk control, or the payment has been stopped.

3. Credit card cash service exceeds the limit: Bank of Communications' credit card cash service has a prescribed limit for a single day. If the overdraft withdrawal and transfer amount exceeds 20,000 on the same day, it will fail.

4. The status of the collection account is abnormal: the bank card provided by Bank of Communications for cash service is frozen, stopped, or reported lost, and the payment cannot be received normally.