Our personal credit card has the function of borrowing cash in advance. You can withdraw the cash from the credit card through the ATM and bank counter of our bank or other banks, or transfer the money from the 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 the business credit card is consistent with the company's setting).
If you need to use the cash withdrawal function, please log on to the credit card website or dial 8008205555 for free on the fixed line, and dial the service hotline 4008205555 on the mobile phone, set the transaction password and activate the cash withdrawal function.
Cash advance by credit card will be charged with handling fee and interest (including cash advance by ATM, counter, online banking and telephone of the Bank or other banks): handling fee: 65,438+0% for each transaction in RMB, with a minimum charge of ￥ 65,438+00/transaction, and 3% for each transaction abroad (including Hong Kong, Macao and Taiwan), with a minimum charge of ￥30/ transaction or US dollar interest. From the trading day, the interest will be charged at the daily rate of 0.5 ‰ until the settlement date, and the interest will be compounded monthly, that is, the interest generated last month will be recalculated. For example, if the billing date is 12, 2,000 yuan will be withdrawn on February 1 day, and the interest will be charged at 1 yuan every day. If the total interest as of February 12 is 12 yuan, it will be withdrawn from February 13 (. Tips: 1. There is only a handling fee for withdrawing multiple deposits from a credit card. 2. Only the cash advance function is enabled for free. 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 cash advance every natural month (interest is normally charged). 4. No matter in the same city or in different places, there is no inter-bank handling fee for cash withdrawal.
In case of cash installment, 1, cash installment is the business that eligible cardholders withdraw cash and repay by installment. After the processing is successful, the money will be transferred to the China Merchants Bank Card in your own name. 2. Cash installment business is limited to personal credit card holders of the Bank, and only holders of business cards, business cards (including financial business cards), purchase cards, ANA guarantee cards or supplementary cards cannot handle it. 3. Whether the cash installment application is approved shall be subject to the comprehensive evaluation results of our credit card center. See cash installment rules/financing/cashinstallation.aspx for details.
We can choose a variety of cash installments, and the handling fee will be repaid monthly. The number of periods includes 3 periods, 6 periods, 10 period, 12 period, 18 period and 24 periods, and the corresponding handling fee for each period is 0.95%, 0.80%, 0.75%, 0.75% and 0.75% respectively. Handling fee per installment = total installment principal × handling fee rate per installment, and the installment principal and handling fee are fully included in the minimum repayment amount of the current bill.
Cash installment application currency only supports RMB. Each application starts from 2000 yuan, and the cumulative maximum application amount does not exceed 50000 yuan. (The maximum cash installment amount for each customer must be reviewed by us. )
The money obtained by applying for cash installment shall not be used for investment (including but not limited to equity investment such as house purchase, stocks and futures), but only for consumption (including but not limited to decoration, household appliances, wedding, car purchase, student aid, tourism, medical care, etc.). ).
If you have any questions about other CMB credit cards, please search for "4008205555" among QQ corporate friends and add "CMB Credit Card Center" as your friend; Or search for "cmb4008205555" 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!