Credit cards play an important role in people's daily consumption. Compared with ordinary savings cards, the biggest feature of credit cards is that they can make overdraft consumption or cash withdrawal in advance when personal funds are insufficient. Generally speaking, users can use credit cards to spend or withdraw cash, so what's the difference between the two? What are the main differences? What's the difference between cash withdrawal and credit card consumption? Credit card cash withdrawal refers to the credit line granted by the issuing bank or institution to the cardholder, which can be used for cash advance or transfer, while credit card consumption refers to the direct use of credit card line when users use credit cards to purchase goods. The difference between the two includes four aspects: quota limit, interest-free period, integral rules and handling fee. [1] Credit limit The credit card withdrawal amount generally ranges from 30% to 50% of the fixed credit card amount, depending on the regulations of each bank, and the withdrawal amount is limited; As long as the consumption amount of the credit card is within the fixed amount of the credit card or the fixed amount plus temporary amount, the available amount is greater than the cash withdrawal amount of the credit card. [2] Interest-free credit card withdrawal does not enjoy interest-free period. Under normal circumstances, the interest on cash withdrawal is calculated from the date of cash withdrawal, and interest is charged at 0.5 ‰ of the cash withdrawal amount every day. Credit card consumption enjoys an interest-free period. As long as you pay off the arrears in one lump sum before the repayment date, you can enjoy interest-free service. The amount to be repaid only includes the principal in arrears. If the user is overdue or repays according to the minimum repayment amount, a certain interest will be charged. [3] Credit card cash withdrawal by integral method cannot be regarded as credit card points. Even if the credit card limit is used, the credit card points account of the user will not accumulate points. Credit card consumption has points, and the specific points rules are subject to the regulations of the bank. Take the credit card of Agricultural Bank of China as an example. Credit card users of Agricultural Bank of China can get credit card points when they spend on catering, entertainment, jewelry, hotels, handicrafts and tourism. Every consumption 1 yuan is 1 integral, every consumption 1 dollar is 6 points, and every consumption 1 euro is 1 integral. [4] Handling fees Credit card withdrawals require handling fees, and the standards charged by each bank are different. Generally, it is charged at 1% of the transaction amount. That is to say, the handling fee for withdrawing 1 10,000 yuan is10000 *1%=100 yuan. Generally speaking, there is no handling fee for credit card consumption, but if users use credit cards for installment business, they need to charge installment fees. Taking Bank of Communications credit card as an example, the handling fee rate is 0.93% in the third period, 0.8% in the sixth period, and 0.72% in the ninth, twelfth, eighteenth and twenty-fourth periods. In short, credit card withdrawal and credit card consumption are both services provided by bank credit cards to users. If the user's personal funds are insufficient, the available credit card limit will be consumed and will be restored again after repayment. Moreover, whether it is cash withdrawal or credit card consumption, users should maintain good repayment habits and repay in full and on time before the credit card expires to avoid overdue behavior affecting personal credit.