If the card has been linked to a credit card for automatic repayment, the account management fee can be exempted; Repayment will be automatically deducted from the card on the repayment date;
In addition to the assets up to standard, one of the following circumstances can also be exempted:
1, the salary account, starting from 20 11July1,is judged according to the salary transaction within six months.
2. Enterprise annuity account
3. As long as the personal asset account being repaid (including housing mortgage loan, automobile consumption loan, comprehensive consumption loan, personal pledge loan, personal business loan, etc.). As a loan repayment account, the account management fee including the secondary deduction account can be reduced or exempted.
Note: If the loan is not paid to this account, it will not be reduced. For example, there are loans and repayments, easy consumption or easy transfer. Only one credit line has been applied, but there is no loan and no repayment. In this case, the account management fee will not be reduced.
4. Bank-securities transfer and third-party depository account
5. Entrusted wealth management account
6. Credit card automatic debit account (according to whether the relevant agreement is valid or not, there is no need to generate a debit record in the current month)
7. Pension account, subsistence allowance account, medical insurance account and unemployment insurance account are exempt from account management fees, and customers need to provide relevant certification materials issued by effective institutions such as government agencies, neighborhood committees and work units (implemented from July 20 1,1);
Excuse me, are you talking about the handling fee for cash withdrawal by credit card?
The specific charging method of cash advance is as follows: the amount of cash advance is set according to your card usage, which is included in the credit limit of credit card, and the total withdrawal amount generally does not exceed 50% of your credit limit. For details, please call the credit card 24-hour customer service hotline. In addition, the daily limit of cash withdrawal from our credit cards (unless otherwise specified, such as most financial business cards) through UnionPay line is RMB 5,000 or equivalent foreign currency, and the cumulative daily withdrawal amount of each household who withdraws cash through non-UnionPay line overseas does not exceed the equivalent of 1 0,000 US dollars, 1 5,000 US dollars within one month and 1 0 within six months. Borrowing cash in advance will generate corresponding handling fees and interest. Handling fee: The handling fee is calculated at 65,438+0% of each cash advance in domestic RMB, and the minimum charge is RMB 65,438+00, and the minimum charge is RMB 30 yuan or US dollar 3 yuan (the minimum charge for AE American Express card is RMB 30 yuan or US dollar 5 yuan); Interest: advance cash transactions do not enjoy interest-free repayment. From the trading day, interest will be charged at the daily rate of 0.5 ‰ until the settlement date, and the interest will be compounded monthly.
See China Merchants Bank in deposit interest rate/cmbwebpubinfo/interesterrate.aspx. chnl=ckrate