Hello, if you use our bank’s credit card to spend the amount, the repayment amount will be the same. You can enjoy the interest-free period for credit card purchases. The interest-free period means that if you pay off all the consumption before the final payment date, you do not need to pay any interest. The interest-free period for repayment ranges from 20 to 50 days, and the length of time will depend on the specific time of your consumption. If your consumption is before the current bill date, it will be included in the current bill; if it is after the bill date, it will be included in the next bill, and you can enjoy a longer interest-free period.

If it is a cash withdrawal, handling fees and interest will be charged, and cash advance will incur corresponding handling fees and interest. Handling fee: The handling fee for domestic RMB cash advances is 1% of the amount of each cash advance. The minimum charge is RMB 10 per transaction. The handling fee for overseas (including Hong Kong, Macao and Taiwan) cash advances is 3% of the amount of each cash advance. Calculating the handling fee, the minimum charge is ￥30 yuan or $3 USD per transaction. Interest: Cash advance transactions do not enjoy interest-free repayment treatment. Interest will be charged at a daily interest rate of 5/10,000 from the transaction date to the repayment date, and compound interest will be charged on a monthly basis.

If you still have questions, please add corporate QQ customer service 4008205555 or add the public account "China Merchants Bank Credit Card Center" on WeChat for detailed consultation.