If you use a China Merchants Bank credit card to withdraw cash (cash advance) from an ATM, the handling fee for domestic withdrawals is 1% of the cash advance amount, and the minimum charge is RMB 10 per transaction. Cash advance transactions do not enjoy the interest-free repayment treatment. Interest will be charged at a daily interest rate of 0.5% from the transaction date to the repayment date, and compound interest will be charged on a monthly basis.