If you owe China Merchants Credit Card 5,000 yuan, it will be paid off in about ten months, but the interest amount of the current month should be added every month = 5,000 * 5/10000 * 30 = 75 yuan.

You pay back 500+75=575 yuan every month, and you can pay it off in ten months. If only 500 yuan needs to be returned every month, it will take 12 months.

If your bill is a consumer bill, you can apply to China Merchants Bank Card Center for installment repayment, so the handling fee is much cheaper than interest. Please consult the card center for details. The phone number is on the back of your card.