How can I calculate the Bank of China's credit card cash-out interest?
The Bank of China's credit card cash-out interest is calculated on a daily basis, with a daily interest rate of 5 thousandths;
The Bank of China credit card withdrawal function is an emergency function with high costs and timely repayment is required.
If the minimum repayment amount before the final repayment date is not paid back, the Bank of China will charge a late payment and affect credit.
If you do not enjoy interest-free service for 50 days, the interest is calculated from the second day.
How much does the Bank of China credit card ATM cash withdrawal service charge?
Bank in China: 1% of the cash amount, with a minimum of RMB 8/transaction
Cross-bank in China: 1% of the cash amount, with a minimum of 12 RMB/transaction
How can I collect the cash withdrawal service fee from the Bank of China credit card counter?
Great Wall global channel products (available at the counter)
Local bank: free
Off-site Bank: 1% of the cash amount, with a minimum of 10 RMB/transaction, and a maximum of 50 RMB/transaction
Overseas (the bank or non-UnionPay institution): 3% of the cash amount, minimum USD 3.5/pen or 500 yen/pen
Maximum amount of credit card received by Bank of China
(1) the amount of prepaid cash is set based on your card usage. It is included in the credit card quota, and the Bank of China's credit card withdrawal quota can reach up to 100% of the actual quota, for the specific credit limit, please call the 24-hour customer service hotline at the Bank of China credit card center.
(2) for domestic pre-lending, the daily use of credit line for each card's cash amount shall not exceed RMB 2000; the daily withdrawal of each card at the ATM shall not exceed RMB 5000 (with sufficient overflow amount, at least the overflow amount shall exceed RMB 3000 ); the deposit amount can be up to 2000 RMB for all off-peak payments. In China, the credit line cannot be used to extract US dollars.
(3) for overseas pre-lending, the daily ATM cash withdrawal for each card shall not exceed USD 1000, and the cumulative cash acquisition per month shall not exceed the equivalent of USD 5000, the cumulative cash withdrawal per six months shall not exceed 10000 US dollars (when the dollar is sufficient for repayment). If the credit line is used for cash withdrawal, each card shall not exceed 2000 RMB per day or equivalent foreign currency.