Credit card usage strategies often tend to encourage spending rather than cash withdrawals, since cash withdrawal fees are usually higher than direct swiping of the card. When designing credit cards, banks will set higher handling fees for cash withdrawals. For example, CITIC Bank was exposed to a cash withdrawal fee as high as 3, while other banks usually charge 1. In addition, after cash withdrawal, an ongoing fee of 50,000% of the overdraft amount will be charged every day until the overdraft is repaid.

In contrast, card swiping usually only charges a one-time 1 to 3 handling fee at the time of transaction, and there are no additional fees until the repayment date. However, withdrawing cash with a card may increase certain risks, such as may affect personal credit score, because frequent or large cash withdrawals may be regarded as unhealthy card use behavior.

Therefore, if your purpose is short-term cash flow, you need to weigh the high fees and possible risks of cash withdrawals, as well as the fixed fees and credit maintenance of credit cards. Cash withdrawal is suitable for small and urgent financial needs, while credit card swiping is suitable for regular consumption and long-term fund management. Which method to choose should be determined based on your actual needs, affordability and credit management strategy.