Hello, the cash advance limit is generally 50 of the credit limit of a credit card (the cash advance limit of the youth version of the young card is 100 of the credit limit). The cumulative daily cash advance amount per card for domestic UnionPay lines is RMB 2,000; the cumulative daily cash advance amount for each card for overseas UnionPay lines does not exceed the equivalent of RMB 2,000 in foreign currency; the cumulative daily cash advance amount for each overseas household The cumulative amount does not exceed the equivalent value of US$1,000. The monthly cumulative amount does not exceed the equivalent credit card value of US$5,000. The cumulative amount in 6 months does not exceed the equivalent value of US$10,000. The cumulative daily cash advance limit of the financial official card is RMB 20,000 (the daily cash withdrawal limit for the Wuhan financial official card and Ruziniu financial official card (regular card) is RMB 2,000).

Our bank's personal credit card has a cash advance function. You can withdraw cash from your credit card through our bank's or other banks' ATMs and bank counters. You can also transfer the funds from your credit card through online banking and phone voice. into the China Merchants Bank savings card in your own name (the cash withdrawal function of the business credit card remains consistent with the company settings).

If you want to use the cash withdrawal function, please log in to the credit card website or dial 8008205555 for free from a landline or the service hotline 4008205555 from a mobile phone, set a transaction password and activate the cash withdrawal function.

Credit card cash advance will charge handling fees and interest (including our or other banks' ATMs, counters, online banking and telephone cash advances): Handling fee: Domestic RMB is calculated as 1 per transaction, with a minimum charge of RMB 10/transaction, overseas (including Hong Kong, Macao, and Taiwan) are calculated as 3 per transaction, and the minimum charge is ￥30/transaction or $3/transaction (the minimum overseas transaction for AE Platinum and Black Gold is $5). Interest: Cash advances do not enjoy interest-free repayment. Interest will be charged at a daily interest rate of 0.5% from the transaction date until the settlement date. Compound interest will be charged on a monthly basis. That is, interest accrued in the last month will also be calculated. Example of compound interest on cash advance: If the bill date is the 12th, and you withdraw 2,000 yuan in cash on February 1, the interest will be charged 1 yuan per day. The interest as of February 12 is 12 yuan, then from February 13 Interest will be calculated based on RMB 2012.00 (the day after the bill date). Warm reminder: 1. Only handling fees will be charged for withdrawing multiple deposits from your credit card. 2. There is no charge for just activating the cash advance function. 3. The first cash advance in each natural month for YOUNG Card Youth Edition, GQ co-branded credit card, Weibo Master Card and City Theme Series Gold Card is free of charge (interest will be charged as normal). 4. Cash withdrawals can be made in the same city or in different places, and no inter-bank handling fees are charged.