cash advance can be taken directly to the ATM of any bank with a credit card. Because the prepaid cash handling fee of China Merchants Bank's credit card is 1% of the withdrawal amount (the lowest handling fee starts in 1 yuan). You don't need a smart card-you need the cash advance service of a smart card to facilitate cash withdrawal. You can advance the cash online and transfer the money to your name's smart card, instead of saying that you can only withdraw it directly through a smart card, and there are no formalities such as inter-bank and off-site fees, but you have to charge a 1% handling fee and five ten thousandths of daily interest, without points. Remember that there is interest and there is no interest-free period.