Hello, if you use China Merchants Bank's credit card, you can withdraw the overpayment, but you need to charge a handling fee (the handling fee for RMB cash advance in China is calculated as 1% of each cash advance, with a minimum charge of ￥ 10). In addition, according to the relevant regulations of the People's Bank of China, the daily cash advance amount of each card in China does not exceed 5,000 yuan. It is suggested that you can apply for overpayment to get it back, and the handling fee is slightly lower. \x0d\ Borrowing cash in advance will generate corresponding handling fees and interest. Handling fee: RMB in China is calculated as per cash advance 1%, and the minimum cash advance charge is 10 yuan; overseas (including Hong Kong, Macao and Taiwan) is calculated as per 3% of cash advance, and the minimum cash advance charge is 30 yuan or USD 3; Interest: advance cash transactions do not enjoy interest-free repayment. From the trading day, interest will be charged at the daily rate of 0.5 ‰ until the settlement date, and the interest will be compounded monthly. \x0d\\x0d\ If you have any questions, please add enterprise QQ customer service 4008205555 or WeChat to WeChat official account "China Merchants Bank Credit Card Center" for detailed consultation. Thank you for your attention and support!