Chinese Merchants Bank credit card "cash advance (also known as cash withdrawal)" will charge handling fees and interest. Handling fee: Domestic RMB is calculated at 1% per transaction, with a minimum charge of RMB 10/transaction; Interest: "Cash advance" does not enjoy interest-free repayment, and interest will be charged at a daily interest rate of 0.05% from the transaction date until the settlement date Stop and earn compound interest on a monthly basis. The earlier you repay your loan, the less interest will accrue.