China Merchants Bank credit card withdrawal fee: the domestic RMB cash advance fee is 1% of each advance cash amount, and the minimum fee is 1 yuan RMB; The handling fee for overseas cash advance is 3% of each cash advance, with a minimum charge of US$ 3 or 3 yuan RMB (American Express Card-Centurion Black Gold Card and American Express Card-Centurion Platinum Card charge a minimum of US$ 5 or 3 yuan RMB). There is no inter-bank handling fee for cash advance. Interest: advance cash does not enjoy interest-free repayment. From the date when advance cash is processed to the date of settlement, interest will be charged at the daily rate of .5 ‰, with compound interest on a monthly basis.