The China Merchants Bank credit card (debit card) has to pay back 5 yuan every month. This is because the value-added service of China Merchants Bank credit card (debit card) has been opened for card security. It will be repaid on the 1st of every month. The value-added service usage fee of 5 yuan will be deducted from the credit card (debit card). If you do not cancel, it will be automatically renewed on a monthly basis.

Users can enter "unsubscribe from value-added services" in the Palm Life APP and follow the prompts. After unsubscribing, no more fees will be deducted next month, but the service fees already collected will not be refunded. The coverage for the current month will continue until it expires on the 1st of the following month.