Our personal credit card has the function of pre-borrowing cash. You can withdraw the cash from the credit card through ATMs and bank counters of our bank or other banks, and at the same time, you can transfer the money from your credit card to the savings card of China Merchants Bank in your own name through online banking and telephone voice (the cash withdrawal function of business credit card is consistent with the company's settings).
if you want to use the cash withdrawal function, please log on to the credit card website or dial 8825555 for free on the fixed line, and dial the service hotline 4825555 on the mobile phone to set the transaction password and activate the cash withdrawal function.
Credit card cash advance will be charged with handling fee and interest (including ATM, counter, online banking and telephone cash advance of the Bank or other banks): handling fee: RMB in China is calculated at 1% for each transaction, with a minimum charge of RMB 1/transaction, and overseas (including Hong Kong, Macao and Taiwan) is calculated at 3% for each transaction, with a minimum charge of RMB 3/transaction or $3/ transaction (AE Platinum). Interest: advance cash does not enjoy interest-free repayment. From the trading day, interest will be charged at the daily interest rate of .5 ‰ until the settlement date, and compound interest will be charged on a monthly basis, that is, the interest generated last month will be calculated again. For example, if the billing date is 12th, 2, yuan will be withdrawn on February 1st, and the interest will be charged to 1 yuan every day. As of February 12th, the interest will be calculated at ￥212. from February 13th (the day after the billing date). Tips: 1. There is only a handling fee for taking out multiple deposits in the credit card. 2. Only the cash advance function is enabled without charge. 3.YOUNG Card Youth Edition, GQ Co-branded Credit Card, Weibo Daren Card and City Theme Series Gold Card are free of charge for the first advance cash in each natural month (interest is normally charged). 4. No inter-bank handling fee is charged for cash withdrawal regardless of the same city and different places.
if you are in cash installment, 1. Cash installment is a business for eligible cardholders to withdraw cash and repay it in installments. After successful processing, the money will be transferred to the China Merchants Bank Card in your own name. 2. Cash installment business is limited to the cardholder of the Bank's personal credit card, and only the cardholders who hold business cards, business cards (including financial business cards), purchasing cards, ANA guarantee cards or supplementary cards cannot apply. 3. Whether the application for cash installment is approved or not shall be subject to the comprehensive evaluation result of our credit card center. For details, please refer to the cash installment rules/financing/cashinstallation.aspx
We can choose a variety of cash installments, and the handling fee will be repaid monthly. The number of installments includes 3 installments, 6 installments, 1 installments, 12 installments, 18 installments and 24 installments, and the corresponding handling fees for each installment are .95%, .8%, .75%, .75%, .75% and .75% respectively. Handling fee per installment = total installment principal × handling fee rate per installment, and the installment principal and handling fee per installment are fully included in the minimum repayment amount of the current bill.
cash installment application currency only supports RMB. Starting from 2 yuan for each application, the cumulative maximum application amount shall not exceed 5 yuan. (The maximum cash installment amount for each customer shall be subject to our audit)
The money obtained from applying for cash installment shall not be used for investment (including but not limited to house purchase, stock, futures and other equity investments), but only for consumption (including but not limited to decoration, home appliances, wedding, car purchase, student aid, travel, medical care, etc.).
If you have any questions about other CMB credit cards, please search for "4825555" among QQ corporate friends and add "China Merchants Bank Credit Card Center" as your friend; Or search for the number "cmb4825555" on WeChat and pay attention to "China Merchants Bank Credit Card Center" for consultation. Thank you for your attention and support to China Merchants Bank!