The cash advance limit is set according to your card usage and is included in the credit limit of the credit card. Generally, the withdrawal amount does not exceed 50% of your credit limit (the youth card can be advanced 100%). For details, please call the credit card 24-hour customer service hotline. In addition, according to the relevant regulations of the People's Bank of China, the daily cash advance for each card in China does not exceed RMB 2,000; The daily cash advance of each overseas family shall not exceed the equivalent amount of US$ 65,438+0,000, US$ 5,000 within 65,438+0 months and US$ 65,438+0,000 within 6 months. Borrowing cash in advance will generate corresponding handling fees and interest. Handling fee: RMB in China is calculated as per cash advance 1%, and the minimum cash advance charge is 10 yuan; overseas (including Hong Kong, Macao and Taiwan) is calculated as per 3% of cash advance, and the minimum cash advance charge is 30 yuan or USD 3; Interest: advance cash transactions do not enjoy interest-free repayment. From the trading day, interest will be charged at the daily rate of 0.5 ‰ until the settlement date, and the interest will be compounded monthly.
After swiping your card, you can check whether someone's bill is a US dollar bill. If it is a RMB bill, it can be repaid directly in RMB at home. US dollar bills generated in consumption abroad or by withdrawing foreign currency cash can be repaid by purchasing foreign exchange in RMB. You can choose to purchase foreign exchange in full or with the minimum repayment amount. According to foreign exchange management regulations, the amount of foreign exchange purchased cannot be higher than the amount of cash. The function of purchasing foreign exchange can be applied through online banking or calling the customer service hotline: 1. Online Banking: Please log in to the credit card website/,click "Online Banking Login" on the right, enter your ID number, inquiry password and additional code, then log in to online banking, and then open the function of "Repayment Settings for Purchase of Foreign Exchange" in "Repayment Management"; 2. Customer service hotline: Please call the customer service hotline 4008205555, enter your ID number or card number and inquiry password according to the voice prompt, and then select "9" to transfer the service specialist to set up the foreign exchange purchase function for you. Warm reminder: 1. Once the foreign exchange purchase function is permanently set, it can be modified through online banking or calling the customer service hotline. 2. After the foreign exchange purchase function is successfully set, the RMB money you deposited will be used to repay the overdue part of your minimum repayment amount, and then you can purchase foreign exchange according to the foreign exchange purchase amount you set to repay the US dollar bill, and then repay the RMB bill; 3. Due to the daily fluctuation of exchange rate, our current exchange rate for purchasing foreign exchange is based on the exchange rate announced at 10: 00 am on the repayment date. 4. The setting of the repayment amount of foreign exchange purchase in this period is only valid in this period, and the bill in the next period will be restored to your original setting; 5. If you choose to overpay for foreign exchange purchase, your overpaid RMB will be used to purchase foreign exchange to repay the US dollar bill within 2 working days.
"If you have any other questions, I suggest you add" QQ "or" WeChat "for online consultation.
Method 1: Search for "4008205555" among QQ corporate friends and add "China Merchants Bank Credit Card Center" as a friend;
Method 2: Search "cmb4008205555" on WeChat, and pay attention to China Merchants Bank Credit Card Center.
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