(China Merchants Bank) If you activate the cash advance function on your credit card, you can withdraw cash directly.

Credit card cash advances will charge handling fees and interest (including ATMs of our bank or other banks, counters, online banking and telephone cash advances): Handling fee: Domestic RMB is calculated as 1% per transaction, with a minimum charge ￥10/transaction, overseas (including Hong Kong, Macao, and Taiwan) are calculated as 3% per transaction, with a minimum charge of ￥30/transaction or $3/transaction (AE Platinum and Black Gold overseas minimum charge is $5 per transaction). Interest: Cash advances do not enjoy interest-free repayment. Interest will be charged at a daily interest rate of 5/10,000 from the transaction date to the repayment date, and compound interest will be charged on a monthly basis.