Every credit card needs to set a transaction password, and only when the cash withdrawal function is turned on can it be withdrawn.
Access: Log in to credit card online banking, click "Card Management" → "Transaction Password Management" and follow the prompts.
More ways
Mobile banking: log in to the credit card mobile banking, enter Card Management → Transaction Password Management, and follow the prompts.
Telephone voice: dial the credit card service hotline to verify your identity, press 3, and then press 3 to enter "transaction password setting and modification".
Using online banking to advance cash/telephone to advance cash, you can transfer the required funds to China Merchants Bank Card in my own name in real time (the account opening documents of credit card and card must be the same). Supplementary cardholders can borrow cash in advance by telephone, but not through online banking.
Operation route:
1. Cash advance by online banking: log in to credit card online banking and click "installment financing" → "Cash advance".
2. Cash advance by phone: Call the credit card service hotline to verify your identity, press 4, and then press 2 to enter "Cash advance by phone".
Unlimited cardholders and Platinum cardholders should also apply for cash advance through the service hotline 4008205555.
Handling fee, interest and limit:
Handling fee: the handling fee for RMB cash advance in China is 65,438+0% of each cash withdrawal amount, and the minimum handling fee is 65,438+00 RMB for each cash withdrawal; The handling fee for overseas cash withdrawal is 3% of each cash withdrawal amount, and the minimum charge is USD 3 or 30 yuan RMB (USD 5 or 30 yuan RMB for American Express Card-Centurion Black Gold Card and American Express Card-Centurion Platinum Card). There is no inter-bank handling fee for cash advance.
Interest: Cash advance does not enjoy interest-free repayment. From the date of cash withdrawal to the date of settlement, interest will be charged at a daily rate of 0.5 ‰, with compound interest on a monthly basis.
Limit: Generally, the advance cash limit is 50% of the credit limit (except for cards with special provisions). At the same time, the maximum daily withdrawal amount of each card in China is RMB 2,000; The daily cumulative cash advance of each overseas non-UnionPay line shall not exceed the equivalent of 1 ,000 USD, the cumulative cash advance of 1 month shall not exceed the equivalent of 5,000 USD, and the cumulative cash advance of 6 months shall not exceed the equivalent of 1 ,000 USD.
ATM credit card transfer is equivalent to cash advance, and funds can be transferred to any bank's UnionPay card (not limited to my name). The transfer limit, handling fee and interest charge are the same as cash advance.
If you have any questions about other CMB credit cards, please search for 4008205555 among QQ corporate friends and add CMB Credit Card Center as a friend. Or search for "cmb4008205555" on WeChat, and pay attention to China Merchants Bank Credit Card Center for consultation. Thank you for your attention and support to China Merchants Bank!