Wow, I just found out that cash withdrawal via Bai Tiao gives me the historically lowest interest rate.


After calculating, the annualized interest is only 3.6%, which is basically the same rate as a mortgage. 🤣 I can’t really justify not cashing this out.
I’m planning to use this money first to pay off high-interest online loans like Wangshangdai and Meituan, and keep the rest as a liquidity reserve.
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