If you hold a China Merchants Bank credit card, you can try to apply for "E-Zhao Loan".

“E Zhaodai” is a short-term cash credit business provided by China Merchants Bank to qualified cardholders with daily interest. After the "E Zhaodai" application is successful, the money will be transferred to the cardholder's valid all-in-one card account opened with China Merchants Bank or a debit card from another bank supported by China Merchants Bank (the account opening certificate must be consistent with the account opening certificate of our bank's credit card). Only in RMB currency, the payment arrival time will be reviewed by the system. This amount may not be used for investment (including but not limited to house purchase, stocks, futures and other equity investments), and can only be used for consumption (including but not limited to decoration, home appliances, weddings, car purchases, student aid, travel, medical treatment, etc.) . "E Zhaodai" has independent bills, and the bill date is consistent with the personal card bill date. The interest accrued in each billing cycle will be included in the "recurring interest" of the current bill. When repaying the loan, you need to make separate repayments to the "E-Zhao Loan" account.