There is a handling fee for withdrawing cash by credit card. Moreover, credit cards need to charge interest, and cardholders need to repay on time. If the repayment is overdue, the cardholder's personal credit will be affected. It will affect the cardholder's subsequent loan and credit card business.

Cardholders can withdraw cash through the counters of bank outlets; Cardholders can also withdraw cash through the bank's ATM.