The calculation of credit card cash withdrawal interest and repayment is very important. Taking China Merchants Bank credit card as an example, we will use a loan of 3,000 yuan for 10 months as an example to illustrate. First of all, the cash withdrawal fee is fixed, and a one-time fee of 30 yuan will be charged for 3,000 yuan.

Secondly, the interest part is 50,000 yuan per day. For 3,000 yuan, it is 1.5 yuan per day. After one month, the interest is calculated as compound interest, totaling 45 yuan. The monthly principal is 3,000 yuan divided by 10 months, or 300 yuan.

Taken together, the monthly repayment includes the principal of 300 yuan and the interest of 45 yuan, plus the cash withdrawal fee of 30 yuan, the total is 375 yuan. Therefore, a monthly repayment of 375 yuan is required to repay the 3,000 yuan cash withdrawal and the corresponding interest. This is based on the "Articles of Association" of China Merchants Bank Credit Card, including cash withdrawal fees, interest calculation and minimum repayment requirements. It is worth noting that interest is not accrued on deposits in China Merchants Bank's credit card accounts, unless otherwise agreed. So it’s important to pay attention to these fee details when borrowing money.