If China Merchants Bank uses a credit card, you can choose according to your personal needs: if you borrow cash in advance, there will be a handling fee and interest: handling fee: the handling fee for domestic RMB cash in advance is 1% of each cash in advance, with a minimum of 10 RMB; The handling fee for overseas cash advance is 3% of each cash advance, with a minimum charge of USD 3 or 30 yuan RMB (USD 5 or 30 yuan RMB for American Express Card-Centurion Black Gold Card and American Express Card-Centurion Platinum Card). There is no inter-bank handling fee for cash advance. Interest: Cash advance does not enjoy interest-free repayment. From the date of cash advance to the date of settlement, interest will be charged at a daily rate of 0.5 ‰, with compound interest on a monthly basis. You can open the following link to view the cash installment: Web link.