if it is a credit card of China merchants bank, you can try to apply for e-loan. "E-loan" is a short-term cash credit business with daily interest provided by qualified cardholders. After the application is successful, the approved funds will be transferred to the debit card in the cardholder's own name. "E-Loan" has an independent bill, and its billing date is consistent with that of the personal card. The interest generated in each billing cycle will be summarized and included in the "circulating interest" of the current bill. Repayment needs to be made to the "e-loan" account separately. Currently, the repayment channels supported are: pocket life, mobile banking and online banking. Log in to the Pocket Life APP, select "Card. Payment" →e, and you can try to apply. The system will give the audit results in real time.