Is there any interest when applying for deferred repayment on a credit card?

If it is a China Merchants Bank credit card, there is no interest for repayment within the grace period.

If you fail to pay the minimum payment on your bill in time before the grace period, late fees and interest will be charged, and your personal credit will be affected. The late payment fee is 5% of the unpaid portion of the minimum repayment amount, with a minimum charge of RMB10 yuan or USD1 yuan. Interest will be charged on all consumption in the current period starting from the recording date (usually the second day after consumption), with a daily interest rate of 0.05% until all is paid off.

In order to avoid affecting personal credit, it is recommended to repay the bill on time. If it is not convenient to pay off the bill in full, please pay at least the minimum repayment amount on time.

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