in case of credit cards and loans of China merchants bank, if there is any consumption, please repay them in full and on time before the due repayment date. First of all, bad credit records will be generated after the deadline, which will affect your personal credit and future credit business; Secondly, overdue repayment will generate interest and liquidated damages; Finally, failure to return it for a long time may violate the law, and our bank reserves the right to sue.