Generally, the cash advance limit is 50% of the credit card with credit limit (the cash advance limit of youth card is 100% of the credit limit). The maximum daily cash advance for each card of the domestic UnionPay line is RMB 2,000; The daily cash advance of each card of overseas UnionPay line shall not exceed 2000 yuan equivalent in foreign currency; The cumulative cash advance for each overseas family shall not exceed the equivalent amount of $65,438+0000 per day, $5,000 per month and $65,438+00000 for six months. The maximum daily withdrawal amount of official financial card is RMB 20,000 (the daily withdrawal limit of official financial card of Wuhan and official financial card of Ruziniu (Puka) is RMB 2000).
If there is a withdrawal limit, you can withdraw cash.
Our personal credit card has the function of borrowing cash in advance. You can withdraw the cash from the credit card through the ATM and bank counter of our bank or other banks, or transfer the money from the credit card to the savings card of China Merchants Bank in your own name through online banking and telephone voice (the cash withdrawal function of the business credit card is consistent with the company's setting).
If you need to use the cash withdrawal function, please log on to the credit card website or dial 8008205555 for free on the fixed line, and dial the service hotline 4008205555 on the mobile phone, set the transaction password and activate the cash withdrawal function.
Cash advance by credit card will be charged with handling fee and interest (including cash advance by ATM, counter, online banking and telephone of the Bank or other banks): handling fee: 65,438+0% for each transaction in RMB, with a minimum charge of ￥ 65,438+00/transaction, and 3% for each transaction abroad (including Hong Kong, Macao and Taiwan), with a minimum charge of ￥30/ transaction or US dollar interest. From the trading day, the interest will be charged at the daily rate of 0.5 ‰ until the settlement date, and the interest will be compounded monthly, that is, the interest generated last month will be recalculated. For example, if the billing date is 12, 2,000 yuan will be withdrawn on February 1 day, and the interest will be charged at 1 yuan every day. If the total interest as of February 12 is 12 yuan, it will be withdrawn from February 13 (. 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.