Hello, if you use our bank's credit card, you will not enjoy interest-free repayment when withdrawing cash. From the day of withdrawal to the date of settlement, interest will be charged at a daily interest rate of 0.5%. Compound interest is calculated monthly. It is recommended that you repay the loan as soon as possible.

In addition: the handling fee for domestic RMB cash advance is 1% of the amount of each cash withdrawal, with a minimum charge of RMB 10 per transaction; the handling fee for overseas cash advance is 3% of the amount of each cash withdrawal, with a minimum charge 3 USD or 30 RMB per transaction (the minimum charge for American Express-Centurion Black Gold Card and American Express-Centurion Platinum Card is 5 USD or 30 RMB per transaction). There is no inter-bank handling fee for cash advance.

If you have any questions about other China Merchants Bank credit cards, please search 4008205555 in QQ corporate friends and add China Merchants Bank Credit Card Center as a friend; or search the number "cmb4008205555" in WeChat and follow China Merchants Bank Credit Card Center for consultation. Thank you for your attention and support to China Merchants Bank!