If it is a China Merchants Bank credit card, the cash advance will incur corresponding handling fees and interest. For RMB 200, the handling fee is 10 yuan.

Handling fee: The handling fee for domestic RMB cash advance is 1% of the amount of each cash advance. The minimum fee is RMB 10 per transaction. The handling fee for overseas (including Hong Kong, Macao and Taiwan) cash advances is 1% of the amount of each cash advance. The handling fee is calculated as 3% of the cash advance amount, and the minimum charge is ￥30 yuan or $3 US dollars per transaction (American Express-Centurion Black Gold Card, American Express-Centurion Platinum Card charges a minimum charge of 5 US dollars per transaction or 30 yuan); Interest: Cash advance transactions do not enjoy the interest-free repayment treatment. Interest will be charged at a daily interest rate of 0.5% from the transaction date to the repayment date, and compound interest will be charged on a monthly basis.