The 0 handling fee for the first cash withdrawal in the first three months refers to the first time you use China Merchants Bank's credit card, that is, three months after opening, the first cash withdrawal every month is free of handling fee, but the interest still needs to be calculated. In other words, in the past three months, only the first cash withdrawal every month is free of charge, and the rest are free of charge, and interest is calculated as usual.

China Merchants Bank credit card normal withdrawal fee standard is:

The withdrawal fee is 1% of the withdrawal amount, and the lowest is 10 yuan (that is, if 1% is less than 10 yuan, it will also be charged as 10 yuan, and you will only receive 10 yuan if you take 10 yuan. The maximum daily withdrawal amount is 2000. In addition, there are five ten thousandths of circulating interest, which is calculated from the date of cash withdrawal.

Credit card withdrawal fees are generally high, and the fees and interest are not low, so I suggest that you use credit cards as little as possible to withdraw cash and use credit cards more. Credit card spending is not only free of any handling fees, but also points. Unlike other banks, China Merchants Bank's points are cleared regularly and are valid for life.