No, you can enjoy a 50% discount when paying with a China Merchants Bank credit card after consumption, with a maximum discount of 100 yuan; 1. Credit card cash withdrawal: 1. Credit card overdraft cash withdrawal: A Handling fee: It depends on the regulations of each bank, such as Ping An credit card cash withdrawal handling fee

It is 2.5%, with a minimum of 25 yuan/transaction; domestic CCB credit card is charged at 0.5% of the cash withdrawal amount, with a minimum of RMB 2/transaction, and a maximum of 100 yuan/transaction; domestic CMB credit card is charged at 1% of the cash withdrawal amount, with a minimum of RMB 10/transaction

;B Interest: Calculated based on the daily interest rate of 0.5%, starting from the day of cash withdrawal.

2. Cash withdrawal for credit card overpayment: Some banks need to charge a handling fee, and some do not. For example, the handling fee of China Merchants Bank is 0.5% of the amount withdrawn, and the minimum charge is RMB 5 yuan or US$1.

2. Credit card purchases at POS machines: 1. Repay in full on time, interest-free; 2. Pay the minimum payment on time, and charge a daily interest rate of 0.05%, with interest starting from the date of consumption; 3. Overdue repayment

, in addition to the above-mentioned interest, there are also late payment fees.