Credit card withdrawal is different from credit card withdrawal. Cash withdrawal by credit card is one of the inherent functions of credit card itself. Cardholders can withdraw cash from the bank by credit card. Credit card withdrawal mainly includes overdraft withdrawal and overpayment withdrawal. You need to pay interest for overdraft cash withdrawal, and the interest will be calculated from the day you withdraw cash, while the overpayment cash withdrawal does not require interest, only a part of the handling fee, depending on the bank's regulations.
It should be noted that all the bank cards under the Visa International Credit Card Organization are marked with Visa El Cron Interlink Plus Visa Cash, in which Visa's credit cards can be cashed, ElecronVisa's debit cards can be cashed, and Plus Visa's withdrawal cards can only be cashed, but not overdrawn. InterlinkVisa's online transfer card can be cashed now.
At present, if there is a UnionPay logo on the credit card, it means that the card has joined the China UnionPay organization, and the cardholder can withdraw cash from any ATM with the UnionPay logo.
Outside China, besides Hong Kong, Macao and Taiwan, there are still many countries whose UnionPay system has not been popularized, so most of them need to take the international card organization channel to withdraw cash abroad. It depends on whether you have an international card. An international card can be easily distinguished by looking at whether there are LOGO of credit card organizations such as Visa or Master besides UnionPay.
The overdraft withdrawal amount is set according to the cardholder's use of the card, and the maximum is not more than 50% of the cardholder's credit limit. The daily limit of ATM withdrawal is 2000 per person per card. In addition to the withdrawal fee, domestic and foreign overdraft withdrawals must also pay interest, and some banks can enjoy interest-free treatment.
Overpayment cash withdrawal refers to the cardholder's withdrawal of the funds or overpayments stored in the card when repaying. Overpayment can automatically increase the available amount of the main card, but does not increase the available amount of the auxiliary card. If it is necessary to increase the available amount of supplementary cards, cardholders should call the bank telephone service hotline to apply.
Credit card cash withdrawal mainly includes overdraft cash withdrawal and overpayment cash withdrawal. Overdraft cash withdrawal is a small cash loan provided by banks to help cardholders flexibly allocate funds when they are in urgent need.
Overpayment cash withdrawal refers to the overpayment by credit card customers or the funds deposited in credit card accounts, and it takes some formalities to withdraw the overpayment. This amount can increase the available credit limit of the cardholder's credit card, or be directly used for consumer repayment. If the credit card has overpayment, the overpayment shall be deducted first, and then the credit line shall be deducted. If the overpayment is greater than the consumption amount, there will be no overdraft.