Hello, if you use our credit card, not a savings card, the deposit in the credit card does not pay interest. Cash withdrawal by credit card belongs to cash advance, and there is a handling fee for cash advance: the handling fee for cash advance in RMB in China is 1% of each cash withdrawal amount, and the minimum fee is 10 RMB; The handling fee for overseas cash withdrawal is 3% of each cash withdrawal amount, and the minimum charge is USD 3 or 30 yuan RMB (USD 5 or 30 yuan RMB for American Express Card-Centurion Black Gold Card and American Express Card-Centurion Platinum Card). There is no inter-bank handling fee for cash advance.

Interest: Cash advance does not enjoy interest-free repayment. From the date of cash withdrawal to the date of settlement, interest will be charged at a daily rate of 0.5 ‰, with compound interest on a monthly basis.

Limit: Generally, the advance cash limit is 50% of the credit limit (except for cards with special provisions). At the same time, the maximum daily withdrawal amount of each card in China is RMB 2,000; The daily cumulative cash advance of each overseas non-UnionPay line shall not exceed the equivalent of 1 ,000 USD, the cumulative cash advance of 1 month shall not exceed the equivalent of 5,000 USD, and the cumulative cash advance of 6 months shall not exceed the equivalent of 1 ,000 USD. bar

If you have any questions about other credit cards, please contact QQ Corporate Customer Service (4008205555) or WeChat (Credit Card Center of China Merchants Bank). Thank you for your concern and support for China Merchants Bank!