How long does it take to transfer cash from an Agricultural Bank of China credit card and how to repay it? The first thing you need to know is that cash transfers from Agricultural Bank of China credit cards do not necessarily require repayment, but mainly the type of credit limit. Credit card limits are divided into overdraft limits and overpayment limits. The former uses money given by the bank, and the latter uses everyone's own money. 1. If you transfer cash from a credit card within the overdraft limit, you must repay it. In addition to the principal, you also need to pay the handling fee and interest generated. The handling fee is charged at 1% of the transferred amount, and the interest is charged. Interest will be calculated from the bank accounting date, and compound interest will be collected on a monthly basis. The daily interest rate is 0.05%. Because the payment is made on the same day as the credit card consumption, you can start repaying it after the credit card statement comes out. It is best to pay it off before the current repayment date, because the Agricultural Bank of China has a grace period, and it must be paid back two days after the repayment date at the latest. Pay it back within the day, otherwise it will be considered overdue. It is recommended to use the mobile banking transfer of various banks for repayment, which is free and can be credited in real time. 2. If you transfer cash within the overpayment limit, a handling fee may be incurred, but there is no interest. You need to judge whether to repay based on the transfer limit. 1) If you transfer money to your own bank through credit card online banking/mobile banking, you can transfer all the money in excess of the overdraft limit without charge or repayment; 2) Transfer to other bank cards through credit card counters/ATMs, including When you transfer your own card to another bank's card or transfer another person's card to another bank's card, handling fees will be incurred, so the transfer limit and handling fees must be included in the overdraft limit, otherwise the overdraft limit will be used and repayment will be required. Agricultural Bank of China charges 2 yuan for each overpayment transfer of no more than 2,000 yuan; 5 yuan for a single transaction of 2,000 to 5,000 yuan; 10 yuan for a single transaction of 5,000 to 10,000 yuan; 10 yuan for a single transaction of 10,000 to 50,000 yuan. Each transaction is charged 15 yuan; above 50,000 yuan, each transaction is charged based on the transfer amount, with a maximum of 50 yuan. The above is the relevant introduction of "How long does it take to transfer cash from the Agricultural Bank of China credit card and how to repay it". I hope it will be helpful to everyone.