Hello, at present, the risk control of China Merchants Bank is still relatively strict. If you use the minimum repayment amount for a long time, the bank will think that you have repayment difficulties, and will list you as a risk customer, cancel the temporary quota, or even lower the quota, which is what you call entering the China Merchants Bank's small black room. In this case, first of all, pay off the credit card bill in full, standardize the behavior of using the card, and diversify the real consumption in small amounts. Later, the little black house was slowly demolished.