Hello, if you have a China Merchants Bank credit card and it is inconvenient to repay in full, there are two ways for you to choose:

1. Bill installment (only for business card holders and business cards ( Cardholders including financial and official cards), purchase cards, ANA guaranteed cards or supplementary cards cannot apply): They can enjoy the interest-free period but there is a handling fee. Handling fee per period = total installment amount × handling fee rate per period. The minimum handling fee per period is 5 yuan. The base rates for each period are: 0.9% per period for 3 periods and 0.75% per period for 6 periods. , 0.70% for each of 10 periods, 0.66% for 12 periods, 0.68% for 18 periods, and 0.68% for 24 periods. (If the total installment amount is 800 yuan and the repayment is in 6 installments, then the repayment amount of each installment is 800/6 =133.33 yuan, the interest per period is 800*0.75%=6 yuan) For details, please log in to the credit card website/ and click "Credit Finance"-"Bill Installment" to inquire; it is indeed impossible to apply for installments when withdrawing cash.

2. Minimum repayment: no handling fee but no interest-free period. If you repay the minimum payment but less than the full amount before the final payment date, you will not be able to enjoy the interest-free repayment period. All consumption in the current period will accrue interest from the recording date (usually the second day after consumption). The interest rate is 0.05% until you pay it off in full.