提現成功後，銀行給你現金哦 This is how you get the cash.

銀行將您的借記卡視為信用卡，將 Cash Advance 處理為信用卡交易。 隻要您的借記卡 take the transaction（賬戶中有錢支付 Cash Advance amount），您的交易就成功了。 銀行然後給你一張 transaction slip，然後數錢給你！ It has no difference from making a purchase of say, a pair of shoes.  Except what you purchase now, is CASH (in your own account.)

商家的信用卡交易費用非常高，通常在 2% 或更多，而AMEX，則接近 3%。 Mastercard has the lowest, could be 1.5%,  next is Visa.  That is why the small merchants do not take Credit Cards, or in US many have a minimum amount to use Credit Card.

美國運通在歐洲和亞洲的高端酒店和餐館之外 非常難用。我們 2019 年的行程涵蓋威尼斯、意大利南部、西澳大利亞 和香港，總共 42 或 43 天。 即使每次在餐廳我都嚐試使用它 因為那張AMEX卡上賺 Extra Point，整個行程我也隻能使用不到 10 次AMEX。 幾乎總是被拒絕。 僅限 Visa 或 MC。  香港的很多餐館，甚至是著名的餐館，都隻收現金（或使用八達通卡，它隻不過是一張裏麵存著錢的卡）。

2 of the times I could use AMEX was at a lagoon side restaurant in Venice.  I joked only if they took AMEX otherwise we would not dine there.  They took out another handheld POS device and told me they did take AMEX but they did try to avoid it because of the 3%+ transaction fee.