China Merchants Bank credit card has the basic functions of credit card, such as overdraft consumption function, cash advance function and installment payment function. Then, the overdraft transfer mentioned by the card friend in the question is just one of the forms of cash withdrawal by the cash advance function. Cardholders in this bank can obtain funds through overdraft transfer.

For the operation mode of credit card overdraft transfer of China Merchants Bank:

First of all, through China Merchants Bank's pocket life client, enter the option-installment credit-I want cash-cash advance;

2. Enter my-credit card-cash credit-I want cash-cash advance application through China Merchants Bank's mobile banking;

Third, through China Merchants Bank's online banking, log in to credit card online banking and enter installment financing-overdraft transfer.