Hello, if you are using our credit card, there is no difference. Transferring a credit card to a debit card is equivalent to withdrawing cash.

Cash advance loans will incur corresponding fees and interest. Handling fee: The handling fee for domestic RMB cash advances is calculated at 1% of the amount of each cash advance. The minimum charge is RMB 10 per transaction. The handling fee for overseas (including Hong Kong, Macao and Taiwan) cash advances is calculated at 3% of the amount of each cash advance. Fees, the minimum fee is ￥30 yuan or $3 US dollars per transaction. Interest: Cash advance transactions do not enjoy interest-free repayment treatment. Interest will be charged at a daily interest rate of 5/10,000 from the transaction date to the repayment date, and compound interest will be charged on a monthly basis.

If you still have questions, please add corporate QQ customer service 4008205555 or add the public account "China Merchants Bank Credit Card Center" on WeChat for detailed consultation.