Firstly, there is no interest-free period for cash withdrawal. As credit cards mainly focus on "consumption" completed through electronic payment methods as the core function, this card does not encourage cash withdrawal for consumption. However, some banks do not actively or clearly remind cardholders of this fact. Therefore, many cardholders only truly realize this after paying a "tuition fee." For cash withdrawal using a credit card, an interest rate of 0.05% per day is generally charged, starting from the day of withdrawal. Hence, consumers should try to use their credit cards for consumption rather than withdrawing cash through ATMs. If it is indeed necessary to withdraw cash for short-term liquidity via a credit card, repayment should be made as soon as possible because there is no so-called interest-free period of 20 to 50 days for cash withdrawals.