You will not be charged additional inter-bank handling fees when you withdraw money through other banks. The fees are the same as when you withdraw money from our bank: Cash advance handling fee: Domestic calculation is based on 1% of each cash advance amount , the minimum charge is RMB 10 per transaction; overseas (including Hong Kong, Macao and Taiwan) is calculated as 3% of the cash advance amount, the minimum charge is RMB 30 or US$3 per transaction, American Express Centurion Black Gold Card . The handling fee for overseas cash withdrawals with Platinum Card is 3%, with a minimum charge of USD5 yuan/transaction or RMB30 yuan/transaction. Cash advances do not enjoy the interest-free period. Interest will be charged at a daily interest rate of 0.5% from the transaction date until the repayment date, and compound interest will be charged on a monthly basis. You can consult online through QQ or WeChat for any information you want to know about China Merchants Bank's credit card services. Method 1: Search for 4008205555 among QQ business friends and add China Merchants Bank Credit Card Center as a friend; Method 2: Search for the number "cmb4008205555" in WeChat and follow China Merchants Bank Credit Card Center.