Hello, the excess repayment of China Merchants Bank’s credit card can be withdrawn in cash, but a handling fee will be charged (the handling fee for domestic RMB cash advances is calculated as 1% of the amount of each cash advance, and the minimum charge is ￥10 yuan per transaction). In addition, according to the relevant regulations of the People's Bank of China, the cumulative daily cash advance amount of each domestic card shall not exceed ￥5,000 yuan.

It is recommended that you apply for a refund of overpayment, as the handling fee is slightly lower. Please call the customer service hotline 4008205555, follow the voice prompts to enter your ID number or card number and query password, and then select "9" to transfer the service specialist to apply for you. The overpayment redemption account must be consistent with your credit card account name, and a certain handling fee must be paid. The handling fee is 0.5% of the amount reclaimed. The minimum charge is ￥5 yuan or $1 USD. Currently, our bank has launched a preferential policy, and the maximum charge is ￥50 yuan or $10 USD.

If you withdraw money from an ATM, you cannot withdraw the change. It is recommended that you contact your credit card customer service to claim the overpayment on your credit card.

If you have any questions about other China Merchants Bank credit cards, please search "4008205555" in QQ business friends and add "China Merchants Bank Credit Card Center" as a friend; or search the number "cmb4008205555" in WeChat to follow "China Merchants Bank Credit Card Center" For consultation, thank you for your attention and support to China Merchants Bank!