China Merchants Bank doesn't need to pay in installments, but it needs to start paying back next month. After the installment of China Merchants Bank's credit card bill, if there is a payable amount outside the installment of the current bill, the user needs to repay, but there is no payable amount after the installment of the bill, and the user does not need to repay in the current period. Some amounts cannot be included in the installment amount of the bill, such as principal, interest, handling fee, or the amount to be paid after the previous installment. After the credit card bill of China Merchants Bank is divided into stages, the page still shows the amount to be repaid, and the user must continue to repay, otherwise it will be considered overdue.