You can deposit money into a China Merchants Bank credit card (that is, an overflow deposit), but there is no interest on the deposit. You can use the card to deduct it for consumption, or you can withdraw it. There is a handling fee for withdrawing the overflow deposit. The fees are as follows:

1. The handling fee for withdrawing overpayment is 0.5 of the amount, with a minimum of RMB 5 or US$1 per transaction. Currently, China Merchants Bank has launched a discount, with a maximum charge of RMB 50 or US$10 per transaction.

2. If the excess payment is withdrawn through cash advance channels, a cash advance fee will be charged.

3. Business card holders can receive their own bank card for free.