The billing date of China Merchants Bank credit card is not fixed. Different cardholders may have different billing dates, and 18 days after billing date is the repayment date. For example, the 25th of each month is the billing date, and all transactions recorded on each billing date are from 26th of last month to 25th of this month, and the corresponding final repayment date is the following month 13. Generally, the consumption on the 25th will be recorded on the 26th, and will be included in the next bill. The interest-free repayment date is 18 days after the credit card bill date of China Merchants Bank. Interest-free period refers to the period from the bank bookkeeping date to the due repayment date when the cardholder repays all the repayable amount before the due repayment date (inclusive) and enjoys interest-free treatment for consumer transactions. If the cardholder fails to repay in full in the current period, and the unpaid amount does not exceed RMB 65,438+00 or US$ 65,438+0 yuan, the consumer transactions that can enjoy interest-free treatment will not be subject to interest and late fees.

Version and model: Apple 12 iOS4 China Merchants Bank 12.3.5

If it is a credit card of China Merchants Bank, if the minimum repayment amount of the bill is not returned in time before the due repayment date, it will be charged with late fees and interest, and personal credit will also be affected. The overdue fine is 5% of the unpaid minimum amount, and the minimum amount is RMB 10 yuan or USD 1 yuan. Interest means that all consumption in the current period is charged from the bookkeeping date (usually the day after consumption), and the daily interest rate is five ten thousandths until it is fully paid off. In order to avoid affecting personal credit, it is recommended to repay on time. If it is not convenient to pay off the bill in full, please pay off at least the minimum repayment amount on time.

Consequences of non-repayment of credit card debt:

1. The debtor shall pay extra overdue interest and liquidated damages.

2. The debtor's personal credit report may produce bad records.

3. It can be enforced after being sued by the court.

Legal basis: Article 241 of the Civil Procedure Law stipulates that if the person subjected to execution fails to perform the obligations specified in the legal documents according to the enforcement notice, he shall report the current property situation and the property situation one year before the date of receiving the enforcement notice. If the person subjected to execution refuses to report or make a false report, the people's court may, according to the seriousness of the case, impose a fine or detention on the person subjected to execution or his legal representative, the principal responsible person of the relevant unit or the person directly responsible. Article 242 If the person subjected to execution fails to perform the obligations specified in the legal documents according to the notice of execution, the people's court has the right to inquire about the deposits, bonds, stocks, fund shares and other properties of the person subjected to execution. From the relevant units. The people's court has the right to seal up, freeze, transfer or change the property of the person subjected to execution according to different circumstances. The property inquired, sealed up, frozen, transferred or changed in price by the people's court shall not exceed the scope of obligations that the person subjected to execution shall perform.