in the case of China merchants bank credit card, our bank will repay the credit card holders in the order of billed and unbilled; For the billed part and the unbilled part, pay off your account item by item according to the order of annual fee, interest, expenses, cash advance principal and credit card consumption principal; Among them, if there are multiple cash advance principal or credit card consumption principal, they will be offset respectively according to the transaction time sequence. The order of charge-off is complicated, and the final amount is subject to the bill.