There are several ways to use China Merchants Bank credit card: 1. Users can use China Merchants Bank credit card to withdraw cash within the available limit, which can be handled through mobile banking. The withdrawal amount is 50.75 times of the credit line. 2. Users can provide relevant information at the counter of China Merchants Bank outlets or atm machines, and then they can withdraw cash. 3. Users can also operate through China Merchants Bank's mobile banking, online banking and handheld life.