Let's first look at two pieces of news: 1. "Surprises for cash advances!" A promotional text message recently sent by the Ping An Bank information platform caught Xiao Yang's attention. If the bank's credit card is used for a cash advance before the specified date, it can not only help solve an urgent problem but also provide a chance to win an "iPod Touch". 2. As early as May this year, China Merchants Bank had already started promoting cash advance services via telephone using methods such as text messages, bills, and emails: "No handling fees will be charged for the first cash advance in each calendar month."