Hello, if you use China Merchants Bank's credit card, you will be charged handling fee and interest (including ATM, counter, online banking and telephone cash advance of our bank or other banks): handling fee: RMB is calculated at 1% in China, with a minimum charge of ￥ 10, and 3% overseas (including Hong Kong, Macao and Taiwan). Interest: advance cash does not enjoy interest-free repayment. From the trading day to the settlement day, interest will be charged at a daily rate of 0.5 ‰, with compound interest on a monthly basis.

Tips: 1. There is only a handling fee for withdrawing multiple deposits from a credit card. 2. Only the cash advance function is enabled for free.

3.YOUNG Card Youth Edition, GQ Co-branded Credit Card, Weibo Daren Card and City Theme Series Gold Card are free of charge for the first cash advance every natural month (interest is normally charged).

4. No matter in the same city or in different places, there is no inter-bank handling fee for cash withdrawal.