Hello, if it is a China Merchants Bank credit card, the annual fee for a China Merchants Bank credit card is RMB 100 per year for a regular card and RMB 300 per year for a gold card. The annual fee is charged once a year. If you apply for 2 cards or additional cards at the same time, the annual fee for the second card or additional card will be 1/2 of the first card. The annual fee is calculated from the issuance date of your card (the validity period under the credit card number, the previous date is the issuance date), not the calendar year. If you successfully apply for a China Merchants Bank credit card (except unlimited card/platinum card/business card/ANA co-branded card/VISA MINI card/MSN MINI card/VOGUE titanium card/HELLOKITTY fan gold card/MISS KITTY perfume credit card), the annual fee for the first year The advance payment is exempted for you by China Merchants Bank credit card or partners. Within the validity period of your card for a full year (from the card issuance date, not a natural year), you can enjoy the exemption if you make 6 purchases (amount and form are not limited) with a single card. There is an annual fee for the card. And until the new annual fee discount policy changes are notified, this discount will be valid for a long time.
The annual fee is calculated from the card issuance date (there is a date displayed below the credit card number, the previous date is the issuance date, and the latter is the expiry date; if only one date is displayed, it is the expiration date). For example: the card says 07/10-07/13, which means that the credit card was issued in July 2010. August 1, 2010 to July 31, 2011 is the first year. The year will be shown on the bill in August every year. Fee collection status.
Our bank's personal credit card has a cash advance function. You can withdraw cash from your credit card through our bank's or other banks' ATMs and bank counters. You can also transfer the funds from your credit card through online banking and phone voice. into the China Merchants Bank savings card in your own name (the cash withdrawal function of the business credit card remains consistent with the company settings).
If you want to use the cash withdrawal function, please log in to the credit card website or dial 8008205555 for free from a landline or the service hotline 4008205555 from a mobile phone, set a transaction password and activate the cash withdrawal function.
Credit card cash advances will charge handling fees and interest (including ATMs of our bank or other banks, counters, online banking and telephone cash advances): Handling fee: Domestic RMB is calculated as 1% per transaction, with a minimum charge ￥10/transaction, overseas (including Hong Kong, Macao, and Taiwan) are calculated as 3% per transaction, with a minimum charge of ￥30/transaction or $3/transaction (AE Platinum and Black Gold overseas minimum charge is $5 per transaction). Interest: Cash advances do not enjoy interest-free repayment. Interest will be charged at a daily interest rate of 5/10,000 from the transaction date to the repayment date, and compound interest will be charged on a monthly basis. Warm reminder: 1. Only handling fees will be charged for withdrawing multiple deposits from your credit card. 2. There is no charge for just activating the cash advance function. 3. The first cash advance in each natural month for YOUNG Card Youth Edition, GQ co-branded credit card, Weibo Master Card and City Theme Series Gold Card is free of charge (interest will be charged as normal). 4. Cash withdrawals can be made in the same city or in different places, and no inter-bank handling fees are charged.
The cash advance limit is generally 50% of the credit limit of a credit card (the cash advance limit of the youth version of the young card is 100% of the credit limit). The cumulative daily cash advance amount per card for domestic UnionPay lines is RMB 2,000; the cumulative daily cash advance amount for each card for overseas UnionPay lines does not exceed the equivalent of RMB 2,000 in foreign currency; the cumulative daily cash advance amount for each overseas household The cumulative amount does not exceed the equivalent value of US$1,000. The monthly cumulative amount does not exceed the equivalent credit card value of US$5,000. The cumulative amount in 6 months does not exceed the equivalent value of US$10,000. The cumulative daily cash advance limit for the Financial Business Card is RMB 20,000 (the daily cash withdrawal limit for the Wuhan Financial Business Card and Ruziniu Financial Business Card (regular card) is RMB 2,000).