Hello, if you hold a credit card from our bank, late payment fees and interest will be incurred if the payment is overdue, and it will affect your personal credit. The customer's relevant credit information will be recorded in the personal credit database and become part of the credit record. The late payment fee is 5% of the unpaid portion of the minimum repayment amount, with a minimum charge of RMB10 yuan or USD1 yuan. Interest will be charged on all consumption in the current period starting from the recording date (usually the next day after consumption), with a daily interest rate of 0.5% until you pay it off in full. In order to avoid affecting your personal credit, it is recommended that you repay your bill on time. If it is not convenient to pay off the bill in full, please pay at least the minimum repayment amount on time.

(You can consult online through QQ or WeChat about the China Merchants Bank credit card service information you want to know. Method 1: Search 4008205555 among QQ corporate friends, and add China Merchants Bank Credit Card Center as a friend; Method 2: In Search the number "cmb4008205555" on WeChat and follow China Merchants Bank Credit Card Center)