1. Turn off the automatic repayment function: in China Merchants Bank's mobile banking or online banking, enter the "Credit Card Repayment" page and select "Turn off automatic repayment".

2. Adjust the repayment date: in China Merchants Bank's mobile banking or online banking, go to the "Credit Card Repayment" page and select "Modify Repayment Date" to adjust the repayment date to a date convenient for you.

3. Control the consumption amount: You can set the credit card consumption limit in China Merchants Bank's mobile banking or online banking to avoid spending beyond your ability.

4. Check the bills regularly: Check the credit card bills regularly to find abnormal transactions in time and avoid risks such as theft.

5. Protect personal information: protect personal bank card information and avoid risks caused by information disclosure.