1. First of all, the early repayment fee of China Merchants Bank credit card is calculated based on the unpaid principal. The early repayment fee is three percent of the outstanding principal.

2. Secondly, in the China Merchants Bank credit card, the early repayment fee is calculated as: the early repayment fee is equal to the unpaid principal multiplied by three percent.

3. Finally, the specific amount of China Merchants Bank credit card early repayment fee will be calculated based on the actual situation.