Hello, if you are using a China Merchants Bank credit card, the excess repayment can be withdrawn in cash, but a handling fee will be charged (the handling fee for domestic RMB cash advances is calculated as 1% of the amount of each cash advance, The minimum charge is RMB 10 per transaction). In addition, according to the relevant regulations of the People's Bank of China, the cumulative daily cash advance amount of each domestic card shall not exceed RMB 5,000. It is recommended that you apply for a refund of overpayment, as the handling fee is slightly lower.

Cash advance loans will incur corresponding handling fees and interest. Handling fee: The handling fee for domestic RMB cash advances is calculated at 1% of the amount of each cash advance. The minimum charge is RMB 10 per transaction. The handling fee for overseas (including Hong Kong, Macao and Taiwan) cash advances is calculated at 3% of the amount of each cash advance. Fees, the minimum charge is ￥30 yuan or US$3 per transaction; Interest: Cash advance transactions do not enjoy interest-free repayment treatment, and interest will be charged at a daily interest rate of 0.5% from the transaction date to the repayment date, calculated on a monthly basis Compound interest.

If you still have questions, please add corporate QQ customer service 4008205555 or add the public account "China Merchants Bank Credit Card Center" on WeChat for detailed consultation. Thank you for your attention and support!