Credit card domestic withdrawal method

You can withdraw RMB with your credit card at any branch of China Industrial and Commercial Bank or on the self-service equipment with the "UnionPay" logo. For large-sum withdrawals (50,000 yuan and above) at the counter, you must provide your valid identity certificate; If there is a deposit in the credit card, you need to take the card and valid identity documents to open a business outlet.

Tips: I must handle it myself, but I can't do it for you; The emergency replacement card of dual-currency credit card cannot be returned in China; Credit card overdraft withdrawal does not enjoy interest-free repayment period, and overdraft interest is charged.

Credit card overseas withdrawal method

I hold a credit card with the logo of "VISA", "MasterCard", "AmericanExpress" or "UnionPay" to withdraw local currency from overseas ATMs with the corresponding logo. If you withdraw cash by overdraft, you need to charge overdraft interest.

Tips: It is suggested to spend by credit card, save cash withdrawal fee, reduce exchange loss and enjoy the preferential exchange rate provided by international credit card organizations.

Extended data:

1, credit card withdrawal fee

Rmb is charged at 1% of the amount, with the lowest 2 yuan and the highest 100 yuan; Each transaction is charged at 2.9% of the amount (including domestic and overseas), with a minimum of HK$ 3/MOP/USD/Euro, and other transactions are equivalent to a minimum of US$ 3. Domestic transactions of military official cards, platinum cards and above are free.

Tips: Before June 30, 20 19, the handling fee will be temporarily waived for local withdrawal or transfer of self-owned deposits and local overdraft withdrawal transactions with quasi-credit cards.

2. Credit card transfer fee

It is free to transfer local credit cards to local credit cards before June 30th, 2065438+09.

Credit card transfer in different places (refers to that one of the transferor and the transferee is a credit card in different places, or both of them are credit cards in different places) is charged at 65,438 yuan +0% of the amount, with the lowest 2 yuan and the highest 100 yuan.

Each transaction is charged at 2.9% of the amount (including domestic and overseas), with a minimum of HK$ 3/MOP/USD/Euro, and other transactions are equivalent to a minimum of US$ 3. Domestic transactions of military official cards, platinum cards and above are free.

3. Cash withdrawal from self-service equipment of inter-bank/cross-border UnionPay network

Domestic cross-bank cash withdrawal, each charge according to 4 yuan, plus the handling fee for cash withdrawal or transfer in different places; Overseas cash withdrawals (including Hong Kong, Macao and Taiwan) each cash withdrawal amount is 1%+ 12 yuan, with the lowest 14 yuan and the highest 1 12 yuan.

Industrial and Commercial Bank of China-Credit Card Domestic Withdrawal Method

China Industrial and Commercial Bank-Credit Card Overseas Withdrawal Method

Industrial and Commercial Bank of China-Credit Card Cash Withdrawal and Transfer Charge

Can I withdraw cash from ICBC credit card?

Credit cards can be withdrawn directly. Credit card cash withdrawal methods include counter cash withdrawal, ATM cash withdrawal, mobile banking cash withdrawal and personal online banking cash withdrawal. Cardholders can withdraw cash directly or transfer money to debit cards. The withdrawal amount of a credit card is usually half of the credit limit, and the withdrawal fee and interest need to be paid.

Different banks have different ways to calculate the credit card withdrawal fee, and most of them are charged at one time according to the transaction amount of 1%; The calculation method of cash withdrawal interest is the same, and it is charged at 0.05% of the transaction amount on a daily basis, from the date of cash withdrawal to the day before the repayment date. Therefore, the cost of withdrawing cash by credit card is very high, so it is recommended not to withdraw cash as much as possible.

If you need money urgently, you can consider big brand credit products such as Alipay, Tencent Microfinance, Xiaoman Finance and Qianhua. Qianhua is a credit brand owned by Xiaoman Finance, which provides users with safe, convenient, unsecured and unsecured credit services and borrows money to Xiaoman Financial APP.

Xiaoman Finance will earnestly implement the call of the state to support small and micro enterprises to tide over the difficulties. Its credit service brand has the money to fully support small and micro production and operation, and Xiaoman Finance is the first choice for most small and micro owners. It is reported that 70% of credit users of Xiaoman Finance are small and micro business owners. Up to now, Du Xiaoman Finance has joined hands with dozens of financial partners to issue hundreds of billions of loans to small and micro business owners.

This answer is provided by Kangbo Finance, focusing on the interpretation of financial hot events, the popularization of financial knowledge, the pursuit of professionalism and interest, so that the financial content that the people can understand can convey financial value in vivid and diverse ways. I hope this answer is helpful to you.

Can ICBC Peony Credit Card withdraw cash?

Of course.

Credit card withdrawal is different from credit card withdrawal. Cash withdrawal by credit card is one of the inherent functions of credit card itself. Cardholders can withdraw cash from the bank by credit card. Credit card withdrawal mainly includes overdraft withdrawal and overpayment withdrawal. You need to pay interest for overdraft cash withdrawal, and the interest will be calculated from the day you withdraw cash, while the overpayment cash withdrawal does not require interest, only a part of the handling fee, depending on the bank's regulations.

Method:

As for the method of withdrawing cash by credit card, the cardholder only needs to log in to the bank's credit card online banking, select the cash advance function, and then follow the prompts, and the cash advance from the credit card can be directly credited to the personal debit card account, which is relatively simple to operate. Telephone cash advance is to dial the customer service hotline of bank credit card, and according to the voice prompt, advance cash will be credited to personal debit card account.

Mode:

1, overdraft cash withdrawal is a small cash loan provided by banks to cardholders to help them flexibly allocate funds when they are in urgent need.

2. Overpayment cash withdrawal refers to the funds paid by credit card customers or deposited in credit card accounts, and it takes certain formalities to take out the overpayment. This amount can increase the available credit limit of the cardholder's credit card, or be directly used for consumer repayment. If the credit card has overpayment, the overpayment shall be deducted first, and then the credit line shall be deducted. If the overpayment is greater than the consumption amount, there will be no overdraft.

Credit card withdrawal-Baidu Encyclopedia

Can I withdraw cash from ICBC credit card?

We can withdraw RMB with a credit card at any ICBC outlet in China or at an ATM with the "UnionPay" logo. Withdrawals with our dual-currency and multi-currency credit cards must be made at business outlets.

(The above contents will be answered by ICBC's intelligent customer service "Gong Xiao Zhi" on 20021September1April. In case of business changes, please refer to the actual situation. )

Can I withdraw the extra money from ICBC credit card?

The extra money from ICBC's credit card can be withdrawn, but the corresponding fees are different according to the type of your credit card. Withdrawing credit card deposits is called overpayment recovery. Most banks will charge a handling fee for the credit card overpayment recovery transaction, that is, the overpayment recovery fee, which is generally 0.5%-3% of the recovery amount.

If you save more money, you will not only lose money, but also be skinned by the bank when you take it out. It is better to spend the extra money in the mall. Generally speaking, a quasi-credit card can withdraw cash from the account balance, but it cannot be overdrawn; Credit cards can be overdrawn for cash withdrawal, and the withdrawal amount is about 30% of the credit limit. And the bank charges a handling fee of 1% of the cash withdrawal amount.

More than 10 thousand can be withdrawn from the credit card, and there is no handling fee.

Extended data:

First, the credit card introduction:

Credit card is a non-cash transaction payment method and a micro-credit payment tool provided by banks to users. The earliest credit card appeared at the end of 19.

Credit cards are divided into credit cards and quasi-credit cards, which provide settlement services, facilitate shopping and consumption, and enhance security; Simplify the collection procedure and save social labor; Promote commodity sales, social needs and other characteristics. Credit card is a special card issued by banks or other financial institutions to people with good credit, which is used for shopping and spending at designated merchants or depositing and withdrawing cash at designated banking institutions. It is a special kind of credit certificate.

Two or three measures to avoid cash withdrawal fees:

First of all, in the case of sufficient credit card amount, don't deposit money into the credit card easily, try to repay it in full according to the bill, or set up a debit card associated with the credit card for automatic deduction.

Secondly, for the treatment of the "overpayment" that has already occurred, the unanimous view in the industry is to use credit card consumption as much as possible to digest it. After all, credit card consumption will take the initiative to use the "overpayment" line by default, and then use the normal credit line.

Third, if there are special circumstances, you must take out the overpaid money, and don't use a credit card to withdraw cash directly from the ATM. You can transfer the overpaid money to the debit card at the counter or ATM, and use the debit card to withdraw money, which can reduce some expenses. At the same time, the cost of online banking transfer is cheaper than that of counters and self-service equipment. Cardholders can consult customer service first, understand the relevant regulations and go through online banking procedures, and then transfer money through online banking.

Third, related news reports:

The customer service staff of ICBC Credit Card Center said that if the credit card held by the customer is not overdrawn, if the money is accidentally deposited, it is equivalent to being deposited in a current account, and the cardholder can withdraw it at any time. According to reports, customers can withdraw the money through outlets, ATMs, online banking transfers and other channels. "If you withdraw money from the ICBC channel where the card is located, there is no handling fee."

The customer service staff of CCB Credit Card Center said that if the customer's credit card is not in arrears, the money deposited is called overpayment. There are two ways to withdraw: through self-service equipment such as ATM, up to 2,000 yuan can be withdrawn every day; They can all be taken out through the outlet counter, but cash exceeding 50 thousand yuan needs to be reserved in advance. The customer service staff said that if the customer collects the overpaid part at the local CCB, there is no handling fee at present. Bank of Communications is the same as CCB.

The customer service staff of the Credit Card Center of Agricultural Bank of China said that if the customer overpays, a handling fee of 1% of the withdrawal amount will be charged, with a minimum of 1 yuan. However, the customer service staff said that there are many types of credit cards in banks, and some varieties, such as official cards and QQ cards, have preferential measures. There is no handling fee for overpayment. "The charging standard should be determined according to the type of each card."

References:

Most credit card overpayments in China Economic Net do not charge fees.

Can I withdraw the balance of ICBC credit card? Introduction of exit methods and restrictions

The answer is yes. Credit card withdrawal is an inherent function of credit cards, but it is best for cardholders to use savings cards when they need cash, because there are many restrictions and charges for credit card withdrawal. The following Cai Xiao is recommended for ICBC credit card withdrawal:

ICBC's credit card withdrawal amount is as follows:

(1) The cash advance limit is set according to your card usage and included in the credit limit of the credit card. The maximum withdrawal limit of ICBC's credit card can reach 100% of its actual limit. Please call the 24-hour customer service hotline of ICBC Credit Card Center for the specific limit.

(2) Domestic advance, the daily cash advance of each card using the credit line shall not exceed 2,000 yuan; The maximum amount of cash withdrawn from the ATM every day for each card is not more than RMB 5,000 (there is enough overflow, and the repayment is at least RMB 3,000); At most, you can withdraw cash at the counter with all overpayment +2000 RMB. In China, it can't be raised by credit line.

(3) Overseas advance borrowing, the daily cumulative withdrawal of each card ATM does not exceed $65,438+0,000, which is equivalent to $5,000 per month and $65,438+0,000 per half year (in case of sufficient repayment in US dollars); If you use the credit line to withdraw cash, each card shall not exceed RMB 2,000 or its equivalent amount per day.

So much for the introduction of ICBC's credit card withdrawal.