Hello, if it is a China Merchants Bank credit card and someone else transfers money to your credit card, you will be the recipient and the recipient will not be charged a handling fee. Transfers and remittances generally require a handling fee from the sender.

If you have over-deposited funds with a credit card, the over-repayment part can be withdrawn in cash, but a handling fee will be charged (the handling fee for domestic RMB cash advances is calculated as 1% of the amount of each cash advance, and the minimum charge is ￥10 yuan per transaction). In addition, according to the relevant regulations of the People's Bank of China, the cumulative daily cash advance amount of each domestic card shall not exceed ￥5,000 yuan. It is recommended that you apply for a refund of overpayment, as the handling fee is slightly lower. Please call the customer service hotline 4008205555, follow the voice prompts to enter your ID number or card number and query password, and then select "9" to transfer the service specialist to apply for you. The overpayment redemption account must be consistent with your credit card account name, and a certain handling fee must be paid. The handling fee is 0.5 of the amount to be reclaimed. The minimum charge is ￥5 yuan or $1 USD. Currently, our bank has launched a preferential policy, and the maximum charge is ￥ 50 yuan or $10 USD.