Hello, credit card withdrawals (cash advances) are made through ATM machines. The handling fee for domestic withdrawals is 1% of the cash advance amount, and the minimum charge is RMB 10 per transaction. Cash advance transactions do not enjoy the interest-free repayment treatment. Interest will be charged at a daily interest rate of 0.5% from the transaction date to the repayment date, and compound interest will be charged on a monthly basis.

Since the function of the credit card is mainly used for overdraft consumption, it does not have the savings function of the all-in-one card. Therefore, it is not recommended to deposit more funds into a credit card account. Using a credit card to withdraw cash will incur fees and interest. If you withdraw the excess money in your credit card, only a handling fee will be charged, and no interest will be charged.

If you have any other credit card questions, you can add the credit card QQ corporate customer service (4008205555) or WeChat (China Merchants Bank Credit Card Center) for consultation. Thank you for your attention and support to China Merchants Bank!