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Credit Card - Charges

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Credit card finance charge 

"Cash finance charges" on my credit card account even though I never use the credit card to withdraw money at an ATM. Card has been maxed before lockdown never used the card until today to see there are ridiculously charges.As per my understanding the charge applies when one withdraws cash from an ATM using a credit card, is it not so? This does not look right.
Please advise
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