hello, cash advance will generate corresponding handling fee and interest. Handling fee: The handling fee is calculated at 1% of each cash advance in domestic RMB, and the minimum charge is ￥1 yuan; the handling fee is calculated at 3% of each cash advance in overseas (including Hong Kong, Macao and Taiwan), and the minimum charge is ￥3 yuan or $3. Interest: Cash advance transactions are not entitled to interest-free repayment. From the trading day, interest will be charged at the daily interest rate of .5 ‰ until the settlement date, with compound interest on a monthly basis. Compound interest, that is, the interest generated last month, should also be calculated again. The advance cash limit is set according to your card usage, which is included in the credit limit of the credit card. Generally, the accumulated cash withdrawal limit does not exceed 5% of your credit limit. Please call the 24-hour customer service hotline of the credit card for details. In addition, according to the relevant regulations of the People's Bank of China, the daily limit for withdrawing cash from our credit cards (except those with special provisions, such as most financial business cards) through UnionPay line is RMB 5, or equivalent in foreign currency. The daily cash withdrawal amount of each household through non-UnionPay lines overseas shall not exceed the equivalent of US$ 1,, US$ 5, within one month and US$ 1, within six months.

compound interest is calculated on a monthly basis for cash withdrawal transactions, that is, the interest generated last month should be calculated again.

for example, you withdrew RMB 1, last month, with a handling fee of RMB 1 yuan and interest of RMB 15 yuan, and you repaid RMB 1,25, then the interest will be calculated with RMB 15 yuan as the principal next month until it is paid off. Interest (compound interest) will also be calculated for the interest generated from cash withdrawal by our bank. Generally, you will pay interest in three installments when you withdraw cash, the first installment: from your cash withdrawal date to the repayment date, and the third installment: compound interest. Please refer to the amount on each installment's bill for the specific interest.