If it is a China Merchants Bank credit card, you can try to apply for e-Banking Loan. "e-Zhao Loan" is a short-term cash credit business that our bank provides to eligible cardholders with daily interest. After the application is successful, the approved funds will be transferred to the debit card in the cardholder's name. "eZhao Loan" has independent bills, and the bill date is consistent with the personal card bill date. The interest accrued in each billing period will be included in the "recurring interest" of the current bill. When repaying, you need to make repayments to the "eZhao Loan" account separately. Currently supported repayment channels: Mobile Life, mobile banking, and online banking. Log in to the Palm Life APP, select "Card. Payment" → e-loan, and then you can try to apply, and the system will provide the review results in real time.