0 interest. According to official website information of China Merchants Credit Card, there is no option for the 36th period of China Merchants Credit Card. If it is paid off in full, there will be no cost. If the minimum repayment amount is paid, the daily interest will be calculated at 0.05%. If the repayment amount is lower than the minimum repayment amount stipulated by the bank, it will be regarded as overdue, and interest will be charged at the rate of 0.05% every day except for the late payment fee. The late payment fee for credit cards is generally calculated at 5% of the unpaid part of the minimum repayment amount, and will be calculated monthly in the future. Repayment beyond the grace period is deemed overdue: interest will be calculated at 0.05% from the date of entry, and there will be a late fee.