The handling fee for the recovery of overpayment from China Merchants Bank's credit card is calculated at 0.5% of the amount recovered, with a minimum of RMB 5 or US$1 and a maximum of RMB 50 or US$10. Currently, the handling fees for overdraft cash withdrawals on China Merchants Bank's credit cards still follow the charging standards for overdraft cash withdrawals, and there is no free discount. If the overpayment is withdrawn through cash advance channels, a cash advance fee will be charged.