citibank信用卡可以提现金吗，如何操作?

sgcid

atm上应该是要输入密码，但是从来没用过，不知道是哪个密码，有好几个密码。用过的帮忙解答下，谢谢

redsnow

你收到卡之后的一个礼拜左右收到的

冰冻咖啡me

提现金，需要多还利息吗，还是只要在下一个还款日还清，就可以了

eastman47

:@:@

from google:

Don't use your credit card to withdraw cash

Withdrawing cash using a credit card, even though very convenient in an emergency, can turn out to be a very costly affair. Let us first try and understand how a normal purchase on a credit card is billed and then we will move onto why you should not withdraw cash through a credit card.

Every credit card has a billing date on which the bill having a list of purchases is generated. This bill has a certain due date by which the credit card holder has to pay back the bank -  either the total outstanding or the minimum due. Let us assume that the bill date of a particular credit card is the first of every month. Generally the due date is 22 days after the billing date. Hence in this case the due date for repayment is twenty-third of the month.

eastman47

Now let's say an individual having a credit card makes a purchase a day before the billing day. That purchase becomes a part of the bill that is generated on the first of the month and has to be paid by twenty-third of the month. That way he or she has a maximum free credit period of twenty-two days. If the total outstanding is not repaid by the twenty-third of the month, an interest at the rate of 2.95 per cent per month is levied on the amount that is outstanding.
Hence it makes sense to use the credit card to its fullest immediately after the billing date i.e. a day after the bill date, which in this case is the second of the month.

Assuming that the month has thirty-one days, the purchases made on the second of the month will be listed in the bill that is generated on the first of next month. This bill will have to be repaid by twenty-third of next month. So he has 51 days of free credit (29 days till the bill is generated + 22 days from that day to repay the bill). So one can essentially borrow money without having to pay any interest on it.
But this logic does not work in case the individual withdraws cash using a credit card. There is no free credit period. In case of cash, the interest starts accumulating from day one.

Besides a cash withdrawal charge is also levied. The cash withdrawal charge typically is around Rs 262 or 2.8 per cent of the amount withdrawn, whichever is higher. So let's say an amount of Rs 25,000 is withdrawn using a credit card. So, 2.8 per cent of the amount works out to be Rs 700. Now Rs 700 as we can see is higher than Rs 262, and hence that is the amount that will have to be paid as a cash withdrawal charge.
Interest on cash withdrawn typically varies from 2.7 to 2.85 per cent per month. And since this interest is compounded monthly, the effective annual rate of interest tends to be anywhere from 38 to 40 per cent per annum.

So if Rs 25,000 is withdrawn on the second of the month using a credit card, interest will be charged till the time the bill is generated, that is first of the next month. Hence interest will be charged for a period of 29 days. At the rate of 40 per cent per annum, interest for this period on an amount of Rs 25,000 works out to Rs 794.5. This interest is above the Rs 700, cash withdrawal charge. So a total of Rs 1494.5 has to be paid for withdrawing Rs 25,000 using your credit card.
It is thus advisable to opt for a personal loan as, the interest charged on such loans are far less.

darling-Q

还利息，还有ADVANCE CASH FEE

sgcid

惨了，取了100块钱，大概要额外收费多少？怎么才能使损失最小？马上还100回去可以吗？

粉红猫

利息很高， 有的选还是别提信用卡现金

WAYNEWEI

回复 sgcid 的帖子

这下你亏大了。
除了利息，你很可能还得给手续费。具体看银行。
马上还也只是省下利息。手续费你还得给。
除非万不得已（比如你要跑路了，要去医院付费），千万不要用信用卡取现金。

sgcid

我取了100，损失会是多少阿？现在还回去行不行阿