Hello! If it is a China Merchants Bank credit card, the minimum repayment amount is the minimum amount stipulated by the bank that you must repay before the monthly repayment due date. You do not need to repay the full amount, but the repayment amount of each period must be greater than the minimum repayment amount. This is what you keep. Basic repayment requirements with good credit history. If you choose the minimum repayment and are unable to enjoy the interest-free repayment period, all purchases in the current period will accrue interest from the recording date (usually the second day after consumption), with a daily interest rate of 0.05% until you pay it off in full. If you repay the current payment amount stated on the bill in full before the payment due date, you will enjoy the interest-free period for your consumption payments. You can choose the repayment method based on your specific circumstances. Minimum repayment amount = 10% cash advance principal + 10% non-cash advance transaction principal + 100% fees + 100% interest + 100% excess consumption + 100% unpaid portion of the minimum repayment amount in the previous period + 100 % of the single installment amount. Please refer to the minimum repayment amount listed in the bill.

If it is inconvenient to repay in full, there are two ways for you to choose:

1. Bill installment (only those holding business cards, official cards (including financial official cards), purchase Cardholders, ANA Guaranteed Card or Supplementary Card cannot apply): Interest-free period is available but there is a handling fee. Handling fee per period = total installment amount × handling fee rate per period. The minimum handling fee per period is 5 yuan. The base rates for each period are: 0.9% per period for 3 periods and 0.75% per period for 6 periods. , 0.70% for each of 10 periods, 0.66% for 12 periods, 0.68% for 18 periods, and 0.68% for 24 periods. (If the total installment amount is 800 yuan and the repayment is in 6 installments, then the repayment amount of each installment is 800/6 =133.33 yuan, the interest per period is 800*0.75%=6 yuan) For details, please log in to the credit card website/ and click "Credit Finance"-"Bill Installment" to inquire; it is indeed impossible to apply for installments when withdrawing cash.

2. Minimum repayment: no handling fee but no interest-free period. If you repay the minimum payment but less than the full amount before the final payment date, you will not be able to enjoy the interest-free repayment period. All consumption in the current period will accrue interest from the recording date (usually the second day after consumption). The interest rate is 0.05% until you pay it off in full.