1. "Time-sensitive service" refers to providing cardholders with a certain period of repayment grace period, which is at least 3 days from the due repayment date; If the cardholder repays within the repayment grace period, it is deemed that the cardholder repays on time.

2. "Tolerance service" means that the cardholder fails to repay in full in the current period, and if the unpaid amount in the account after the due repayment date is less than or equal to a certain amount (at least equivalent to RMB 10 yuan), it is deemed that the cardholder has repaid in full, and the unpaid amount will be automatically transferred to the next bill.

3. Therefore, a delay of two days is regarded as timely repayment and will not affect personal credit.

Extended data

1. How to calculate the minimum repayment amount of each bill?

Minimum repayment amount = 65,438+00% for all general transactions in the credit card account+65,438+000% for all unsettled installment transactions in the account+65,438+000% for the unpaid part of the minimum repayment amount in the previous period+65,438+000% for all funds used in the account exceeding the credit limit.

2. liquidated damages:

If the cardholder fails to pay off the minimum repayment amount of the previous bill before the due repayment date (inclusive), our bank will charge a corresponding penalty of 5% of the outstanding minimum repayment amount according to the credit card regulations of China Merchants Bank, and the minimum charge is RMB 65,438+00 or USD 65,438+0 yuan.

reference data

China Merchants Bank official website-Customer Service-Minimum Repayment and Liquidated Damages