For China Merchants Bank's credit card, the overseas cash withdrawal fee is 3% of each cash withdrawal amount, and the minimum charge is 3 US dollars or 30 yuan RMB (American Express Card-Centurion Black Gold Card, American Express Card-Centurion Platinum Card is 5 US dollars or 30 yuan RMB). There is no inter-bank handling fee for cash advance.

Cash borrowed in advance does not enjoy interest-free repayment. From the date of withdrawal to the date of settlement, interest will be charged at the daily rate of 0.5 ‰, and compound interest will be charged on a monthly basis. PS: The handling fee for cash advance by credit card does not generate interest.