If China Merchants Bank pays off the credit card and restores the available line, the bill shows that the repayment amount is 0.

China Merchants Bank credit card can deposit money (overpayment), but there is no deposit interest. You can debit it by swiping the card or take it out. If you take out the money, there will be a handling fee. The fees are as follows:

1. The handling fee for taking out the overpaid part is 0.5% of the amount, with a minimum of 5 yuan RMB or 1 USD per transaction. At present, China Merchants Bank offers preferential treatment, with a maximum of 50 yuan RMB or 10 USD per transaction.

2. If the overpaid part is withdrawn through the cash advance channel, the cash advance fee will be charged.

3. Corporate cardholders get back their one-card cards for free.