为什么广发信用卡不能取现完？

广发信用卡作为一种非常流行的支付方式，拥有许多便捷的特点，如免息期、积分奖励和方便快捷的网上支付等。然而，广发信用卡在取现方面存在一定的限制，即不能取现完全。

首先，大多数信用卡公司都设置了取现额度限制。取现是指使用信用卡从ATM机或银行柜台提取现金。广发信用卡也不例外，其取现额度往往低于总信用额度。这是因为信用卡公司希望鼓励持卡人使用信用卡进行消费和支付，而不是将其用于直接取现。通过限制取现额度，他们可以控制持卡人对现金的需求，并减少信用卡被盗刷或滥用的风险。

其次，取现通常会带来更高的利息和费用。与用信用卡支付购物或账单不同，取现属于现金交易，信用卡公司会收取相应的手续费和利息。手续费一般是按取现金额的一定比例计算，而利息是按日计算并往往高于信用卡消费的利率。由于取现的成本较高，信用卡公司希望持卡人谨慎使用取现功能，以避免增加不必要的负债。

另外，取现行为可能被视为信用风险。信用卡公司通过对持卡人的消费行为进行评估和监控来评定其信用风险水平。取现通常被认为是一种紧急情况下的行为或者是持卡人经济困难的象征。因此，如果一个持卡人频繁取现或者超过限定的取现额度，可能会被认为信用风险较高，从而影响其信用评级和信用额度的提升。

综上所述，广发信用卡不能取现完全的原因有三个方面：取现额度限制、高额利息和手续费以及信用风险考量。持卡人应理解这些限制，并根据自身需要和财务状况合理安排信用卡的使用方式。

Why can't Guangfa Credit Card withdraw cash completely?

Guangfa Credit Card, as a popular payment method, has many convenient features such as interest-free period, reward points, and convenient online payment. However, there are certain limitations when it comes to cash withdrawals with Guangfa Credit Card.

Firstly, most credit card companies set cash withdrawal limits. Cash withdrawal refers to using a credit card to withdraw cash from an ATM or bank counter. Guangfa Credit Card is no exception, and its cash withdrawal limit is often lower than the total credit limit. This is because credit card companies want to encourage cardholders to use credit cards for purchases and payments instead of using them directly for cash withdrawals. By limiting the cash withdrawal amount, they can control the cardholder's demand for cash and reduce the risk of credit card theft or misuse.

Secondly, cash withdrawals usually come with higher interest rates and fees. Unlike using a credit card to pay for shopping or bills, cash withdrawals are considered as cash transactions, and credit card companies charge corresponding fees and interest. The fee is generally calculated as a percentage of the cash withdrawal amount, and the interest is calculated on a daily basis and is often higher than the interest rate for credit card purchases. Due to the higher cost of cash withdrawals, credit card companies want cardholders to use this feature cautiously to avoid unnecessary debt.

Furthermore, cash withdrawals may be seen as a credit risk. Credit card companies assess and monitor the cardholder's credit risk level based on their spending behavior. Cash withdrawals are often seen as emergency actions or indicators of financial difficulties. Therefore, if a cardholder frequently withdraws cash or exceeds the designated cash withdrawal limit, they may be considered as having a higher credit risk, affecting their credit rating and credit limit increase.

In conclusion, there are three reasons why Guangfa Credit Card cannot withdraw cash completely: cash withdrawal limits, high interest rates and fees, and credit risk considerations. Cardholders should understand these limitations and use credit cards in a reasonable manner based on their needs and financial situations.