If you use China Merchants Bank's credit card, you need to charge a handling fee and interest (including ATM, counter, online banking and telephone advance of the Bank or other banks): handling fee: the minimum charge is 1% in RMB, and the minimum charge is 10 yuan, and 3% in overseas (including Hong Kong, Macao and Taiwan), and the minimum charge is 30 yuan. Interest: advance cash does not enjoy interest-free repayment. From the trading day to the settlement day, interest will be charged at a daily rate of 0.5 ‰, with compound interest on a monthly basis. 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.

Generally, the cash advance limit is 50% of the credit limit (except for cards with special provisions, such as: young people can advance 100%). Our cash advance business includes cash withdrawal and overdraft transfer:

1. Daily cash withdrawal limit for a single card: the daily cash withdrawal amount per card for domestic UnionPay routes shall not exceed 2,000 yuan, and the daily cash withdrawal amount per card for overseas UnionPay routes shall not exceed 2,000 yuan equivalent to foreign currency;

2. One-day limit of overdraft debit card: including pocket life, mobile banking (including PAD banking), online banking and customer service telephone voice system. The accumulated overdraft transfer amount per card per day shall not exceed RMB 5,000.