Hello, if you hold a China Merchants Bank credit card, you do not need to repay the credit card before the bill is issued. You can enjoy the interest-free period for your credit card purchases. If you repay the entire amount before the payment date (inclusive), you can enjoy the interest-free treatment during the period from the bank accounting date to the due repayment date. The maximum interest-free repayment period is 50 days, unless otherwise agreed between the card issuer and the applicant, but the maximum interest-free repayment period shall not exceed the maximum interest-free repayment period required by relevant laws and regulations (advance loan) (except cash).

After you make normal purchases with your credit card each month, if you repay the amount on time and in full according to the amount shown on the bill on the repayment date, you will not pay interest and fees on the credit limit.