China's relevant laws ("NPC Standing Committee on

Two situations:

Overpayment recovery: after paying off all the debts of the credit card, the excess amount will be transferred out.

Credit card cash advance: within the available credit card limit, withdraw cash from the savings card of China Merchants Bank or other banks.

Extended data:

It is also feasible to transfer credit card to bank card, which is equivalent to the function of cash advance (cash withdrawal by credit card). The transfer amount is equal to the withdrawal amount, generally 50% of the credit line.

Credit card to bank card, you need to charge fees and interest. The handling fee of each bank is different. From the date of transfer to the settlement date, interest will be charged at the daily rate of 0.5 ‰, and compound interest will be charged on a monthly basis.

China Merchants Bank official website-Credit Card Transfer

Baidu encyclopedia-credit card