According to the relevant information of China Travel Service. Com, China Merchants Bank credit card (including e-installment) has a three-day repayment grace period every month, and there is no need to apply. Paying off the bill or the minimum repayment amount within 3 days after the repayment date will not affect the personal credit record.

China Merchants Bank 1987 was established in Shekou, Shenzhen, with total assets of 10. 14 trillion yuan in 2022. It is the first joint-stock commercial bank wholly owned by an enterprise as a legal person in China, and it is also the first pilot bank promoted by the state from outside the system.