Hello, if you are a credit card of China Merchants Bank, if you fail to return the minimum repayment of the bill in time before the due repayment date, you will be charged a late fee and interest, and your personal credit will be affected. 5% of the unpaid part of the minimum repayment amount will be charged for the overdue fine, and the minimum payment will be RMB1 yuan or USD1 yuan. Interest means that all the consumption in the current period will be collected from the bookkeeping date (usually the day after consumption), with a daily interest rate of five ten thousandths until you pay it off in full. In order to avoid affecting personal credit, it is recommended that you pay back on time. If it is inconvenient to pay off the bill in full, please pay off at least part of the minimum credit card repayment amount on time =1% for all general transactions in the credit card account +1% for all outstanding installment transactions in the account +1% for the unpaid part of the minimum repayment amount in the previous period +1% for all the money used beyond the credit limit of the account +1% for expenses +1% for the minimum repayment amount. If you can't pay off in one lump sum, you can pay off the minimum repayment amount on time before the final payment date, which will not affect your personal credit, but you can't enjoy the interest-free repayment period. All consumption in the current period will be charged with interest from the bookkeeping date, with a daily interest rate of five ten thousandths. (If you repay in full and on time, you can enjoy the interest-free period when spending by credit card) If you don't repay, your credit will be affected and your interest will be charged. The bank will demand payment first, and then it will not rule out seeking legal channels to solve it. I suggest you ask your relatives and friends for help and repay as soon as possible.