After China Merchants Bank successfully applied for cash advance by credit card, the transfer from credit card to debit card is generally real-time, and there will be delays when the system is busy.

It will take about 1-2 days for China Merchants Bank to recover the cash after prepayment, depending on the repayment channel and time. Generally, the advance cash limit will be recovered 1-2 working days later than the credit limit. So if it can't be used after repayment, you can wait 1 day to 2 days.