① If the cardholder uses online banking to advance cash, the credit card funds (limited to RMB) will be transferred to the debit card in the cardholder's own name in real time, and the cardholder is required to ensure that the debit card is consistent with the credit card bank voucher.

② The cardholder applies for cash installment business. After applying for cash installment, the system will review it in real time, but the loan will be released within 18 hours after successful processing. The processing time limit for cash installment business of China Merchants Bank's credit card is 18 hours later. After China Merchants Bank successfully applied for cash advance by credit card, the transfer from credit card to debit card in my name was real-time.