After binding the savings card, if the credit card needs to be repaid in the current month, the bank will automatically deduct money from the savings card and return the credit card before the repayment date. This can not only save the trouble of returning the credit card manually, but also prevent the credit card from being overdue because it is not repaid in time. Because I can only bind credit cards, there will be no bad influence.

Extended data:

Matters needing attention for automatic repayment of China Merchants Bank's credit card binding savings card are as follows:

1. One-card related automatic repayment method can only use the card of the credit card host as the repayment account of the credit card, and the ID number and account name of the card and the credit card must be exactly the same;

2. You can choose your own repayment account in RMB or USD. The RMB repayment account must be a current account, and the US dollar repayment account can choose a current cash account or a US dollar current cash account.

3. The automatic repayment amount associated with a card can be selected as full repayment or minimum repayment;

4. After the one-card automatic repayment function takes effect, the account number of one-card automatic repayment will be listed on the statement of the current month, and China Merchants Bank will deduct the credit card account of the current month from the designated account on the due repayment date, without repayment by itself. Cardholders should check whether the account balance is sufficient before the repayment date to avoid delaying repayment;

5. If the account balance is insufficient, RMB will be deducted from the account balance, and the rest will not be deducted separately, and the cardholder will repay it to the credit card account;

6. At the same time, the function of purchasing foreign exchange for repayment and the function of automatic repayment with one card for USD account are set. RMB payment will give priority to the purchase of foreign exchange to repay the US dollar bill, and the difference between the US dollar bill amount and the agreed purchase amount will be deducted from the US dollar account of the card.