银行将您的借记卡视为信用卡，将 Cash Advance 处理为信用卡交易。 只要您的借记卡 take the transaction（账户中有钱支付 Cash Advance amount），您的交易就成功了。 银行然后给你一张 transaction slip，然后数钱给你！ 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.)
商家的信用卡交易费用非常高，通常在 2% 或更多，而AMEX，则接近 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.
美国运通在欧洲和亚洲的高端酒店和餐馆之外 非常难用。我们 2019 年的行程涵盖威尼斯、意大利南部、西澳大利亚 和香港，总共 42 或 43 天。 即使每次在餐厅我都尝试使用它 因为那张AMEX卡上赚 Extra Point，整个行程我也只能使用不到 10 次AMEX。 几乎总是被拒绝。 仅限 Visa 或 MC。 香港的很多餐馆，甚至是著名的餐馆，都只收现金（或使用八达通卡，它只不过是一张里面存着钱的卡）。
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.
