You can withdraw cash in RMB domestically and in local currency overseas.

Handling fee: The handling fee for domestic RMB cash advance is 1% of the amount of each cash withdrawal, with a minimum charge of RMB 10 per transaction; the handling fee for overseas cash advance is 3% of the amount of each cash withdrawal, with a minimum The fee is USD 3 or RMB 30 per transaction (the minimum charge for American Express-Centurion Black Gold Card and American Express-Centurion Platinum Card is USD 5 or RMB 30 per transaction). There is no inter-bank handling fee for cash advance.

Interest: Cash advance does not enjoy interest-free repayment. From the day of cash withdrawal to the date of settlement, interest will be charged at a daily interest rate of 5/10,000, and compound interest will be charged on a monthly basis.

Limit limit: The cash advance limit is generally 50% of the credit limit (except for cards with special regulations). At the same time, the daily cumulative cash advance amount of each domestic card is capped at RMB 2,000; the daily cumulative cash advance amount of each household for overseas non-UnionPay lines shall not exceed the equivalent of US$1,000, and the cumulative amount within one month shall not exceed the equivalent of US$5,000. , the cumulative amount within 6 months does not exceed the equivalent of US$10,000.