Hello, if you need to apply for our bank's credit card business, cash installment business: 1. Cash installment is a business for eligible cardholders to withdraw cash and repay in installments. After successful application, the payment will be It will be transferred to the CMB All-in-One Card in your name. 2. The cash installment business is only available to principal cardholders of our bank’s personal credit cards. Cardholders who only hold commercial cards, official cards (including financial official cards), purchasing cards, ANA guaranteed cards or supplementary cards cannot apply. 3. Whether the application for cash installment is approved shall be subject to the comprehensive assessment result of our bank's credit card center.

Our bank offers a variety of cash installments to choose from, and the handling fee is repaid in monthly installments. The number of installments includes 3, 6, 10, 12, 18, and 24 phases, and the corresponding handling rates for each phase are 0.95%, 0.80%, 0.75%, 0.75%, 0.75%, and 0.75% respectively. The handling fee per installment = the total principal amount of the installment × the handling fee rate for each installment. The principal amount of each installment and the handling fee for each installment are fully included in the minimum repayment amount of the current bill.

Notes on cash installment:

1. There is no cash advance fee or cash advance interest when handling cash installment business. 2. At present, our bank’s cash installment business only supports transfer services to our bank’s all-in-one card, and does not currently support transfers to other bank cards or accounts. 3. If you cancel the card for the whole account, the outstanding installment balance and handling fee of the cash installment that has been successfully processed must be paid off in one go. 4. For cash installment business, points are calculated based on the principal amount of each installment. The accumulation rules are subject to the "China Merchants Bank Credit Card Points Rules and Terms".

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