The 12 yuan value-added service fee of China Merchants Bank mainly means that credit card users have opened the value-added service of "worry-free card use". This service fee covers the protection service of lost card and the protection service of stolen card.

The rights and interests you can enjoy include:

1. You can enjoy compensation for stolen credit cards 72 hours before the loss is reported;

2. 48 hours before the loss of the credit card is reported, the domestic stolen credit card enjoys compensation;

3. Consumption, transfer and cash withdrawal with my signature are safe and worry-free;

as for whether the amount can be withdrawn, keep a good use record and repay the loan in time. Use credit cards more. It is possible to increase the quota, but this is not the purpose of China Merchants Bank to charge value-added service fees.