Hello, regarding your inquiry:

1. If you successfully apply for a China Merchants Bank credit card (except VISAMINI/MSNMINI/Infinite Card/Platinum Card/VOGUE Titanium Card) ), the first-year annual fee can be waived or waived by China Merchants Bank or joint merchants;

2. Your card will be valid for a full year (from the card issuance date, not a natural year) with a single card for six purchases If there is no limit on the amount or form of the card for more than one time, China Merchants Bank will reduce the annual fee for the card for you in the next year (except for VISAMINI/MSNMINI/Infinite Card/VOGUE Titanium Card/Platinum Card). And before the new annual fee preferential policy changes are notified, this discount will be valid for a long time;

3. No fees;

4. Our bank’s full list of credit card repayment methods: /ccrepay/;

5. Yes;

6. Cash advance will incur corresponding handling fees and interest. Handling fee: The handling fee for domestic RMB cash advances is 1% of the amount of each cash advance. The minimum charge is RMB 10 per transaction. The handling fee for overseas (including Hong Kong, Macao and Taiwan) cash advances is 3% of the amount of each cash advance. Calculating the handling fee, the minimum charge is ￥30 yuan or $3 USD per transaction. Interest: Cash advance transactions do not enjoy interest-free repayment treatment. Interest will be charged at a daily interest rate of 5/10,000 from the transaction date to the repayment date, and compound interest will be charged on a monthly basis. Compound interest, that is, the interest accrued last month, will also be calculated as interest. ‘

7. Same as point 6.

For other questions, you can open the China Merchants Bank homepage www.cmbchina.com and click "Online Customer Service" in the upper right corner to enter the consultation.