If you are using a China Merchants Bank credit card, there are two situations for transfer:

1. Recover the excess payment: After paying off all the credit card debts, deposit the excess amount Transfer it out and collect the excess payment through China Merchants Bank Mobile Life without any handling fee.

2. Credit card cash advance: Within the available limit of the credit card, withdraw cash to the savings card of China Merchants Bank or other banks. Cash advance handling fee: Domestic RMB cash advance handling fee is for each cash advance 1% of the amount, with a minimum charge of RMB 10 per transaction; the overseas cash advance fee is 3% of the cash advance amount, with a minimum charge of US$3 or RMB 30 per transaction (American Express Card - Centurion Black Gold Card, American Express-Centurion Platinum Card charges a minimum fee of USD 5 or RMB 30 per transaction). There is no inter-bank handling fee for cash advance.

Interest: Cash advance does not enjoy interest-free repayment. From the day the cash advance is processed to the date of repayment, interest will be charged at a daily interest rate of 5/10,000, and compound interest will be charged on a monthly basis.