If the repayment amount is lower than the minimum repayment amount before the due repayment date (for example, a penny is not repaid), in addition to interest, a late payment fee of 5% of the minimum repayment amount will be paid.

The specific calculation is: overdraft interest = credit card amount ×0.05%× date.

China Merchants Bank, the first joint-stock commercial bank in China wholly controlled by an enterprise as a legal person, was established on April 8, 1987/KLOC-0, initiated by China Merchants Group Co., Ltd. in Hong Kong. It is the sixth largest bank in China and one of the eight banks and five guarantees for China financial stocks in Hong Kong. The head office is located in Futian District, Shenzhen. On April 9, 2002, China Merchants Bank A shares were listed on the Shanghai Stock Exchange. On September 8, 2006, China Merchants Bank began its public offering in Hong Kong, issuing about 2.2 billion H shares and raising HK$ 20 billion. It was listed on the Hong Kong Stock Exchange on September 22. The net capital exceeds 290 billion, and the total assets exceed 4.4 trillion.

China Merchants Bank has 1 13 branches and 943 sub-branches, 1 branch-level franchises (credit card centers), 1 representative offices and 2,330 self-service banks in Chinese mainland 1 3. In addition, Chinese mainland owns CMB Financial Leasing Co., Ltd. and China Merchants Fund Management Co., Ltd., holds 50% equity of China Merchants Cigna Life Insurance Co., Ltd., and owns Wing Lung Bank and CMB International Finance Co., Ltd. in Hong Kong. The development goal of China Merchants Bank is to become a leading retail bank in China. 1995 Bank Kaka was launched in July, and Netcom 1999, the first online bank in China, was launched in September, which became a widely used online payment tool for many enterprises and e-commerce websites, and promoted the development of e-commerce in China to some extent.

201April 2, 5 China merchants group co., ltd. is planning major events. In view of the significant uncertainties in related matters, in order to ensure fair information disclosure, safeguard the interests of investors and avoid abnormal fluctuations in the company's share price, the company's shares were suspended from trading on April 3, 20 15 upon the application of the company.