Hello, there are several options, you can make a reference based on your situation:

1. Modify the billing cycle. The premise is that the application has not yet been issued for the current period of bills (applications made before the billing date will be effective for the current period, and applications filed after the billing date will be effective for the next period). There will be an interval of half a year between this time and the last application (if you have never applied for modification, this item can be ignored). You need to call the toll-free hotline 8008205555 from a landline or 4008205555 from a mobile phone (charges apply), and enter your ID number + query password to apply.

2. Pay the minimum repayment amount (if you apply for automatic deduction of all-in-one card and credit card, you need to select the minimum repayment amount when binding). If you choose the minimum repayment and are unable to enjoy the interest-free repayment period, all purchases 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.

3. Bill installment. (Only cardholders holding commercial cards, official cards (including financial official cards), purchasing cards, ANA guaranteed cards or supplementary cards cannot apply): You can enjoy the interest-free period but there is a handling fee. Handling fee per period = total installment amount × handling fee rate per period. The minimum handling fee per period is 5 yuan. The base rates for each period are: 0.9% per period for 3 periods and 0.75% per period for 6 periods. , 0.70% for each period of 10 periods, 0.66% for each period of 12 periods, 0.68% for 18 periods, and 0.68% for 24 periods. For details, please log in to the credit card website/ and click "Credit Finance" - "Bill Installment" to inquire;

< p>The minimum credit card repayment amount is the minimum amount stipulated by the bank that you must repay before the monthly repayment due date. You do not have to pay the full amount but the repayment amount of each period must be greater than the minimum repayment amount. This is to keep you in good condition. Basic repayment requirements for credit history. If you choose the minimum repayment and are unable to enjoy the interest-free repayment period, all purchases 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 repay the current payment amount stated on the bill in full before the payment due date, you will enjoy the interest-free period for your consumption payments. You can choose the repayment method based on your specific circumstances. Minimum repayment amount = 10% cash advance principal + 10% non-cash advance transaction principal + 100% fees + 100% interest + 100% excess consumption + 100% unpaid portion of the minimum repayment amount in the previous period + 100 % of the single installment amount. Please refer to the minimum repayment amount listed in the bill.

If you have other questions, it is recommended that you consult "Customer Service Online"/cmu/icslogin.aspx?from=B&logincmu=0. Thank you for your attention and support!