Hello, as long as you repay the minimum amount of the bill before the payment due date, no late payment fees will be incurred and your personal credit will not be affected. Please rest assured. However, recurring interest will accrue. All consumption 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 have other questions, please open the China Merchants Bank homepage www.cmbchina.com and click "Online Customer Service" in the upper right corner to enter the consultation.