Hello, if the repayment is overdue, there will be late fees and interest, and personal credit will also be affected. The customer's credit information will be recorded in the personal credit database and become a part of the credit record. The overdue fine is 5% of the unpaid minimum amount, and the minimum amount is RMB 10 yuan or USD 1 yuan. Interest refers to the collection of all consumption in the current period from the bookkeeping date (usually the day after consumption), with a daily interest rate of five ten thousandths until you pay it off in full. In order to avoid affecting personal credit, it is recommended that you repay on time. If it is not convenient to pay off the bill in full, please pay off at least the minimum repayment amount on time.

According to the regulations of the People's Bank of China, all card-issuing banks are required to upload customers' consumption and repayment records on a regular basis and cannot tamper with them. When you handle the loan business in the future, the loan bank will refer to your credit history comprehensively, not just for a certain period of time. If you apply for personal loan in our bank in the later stage, whether it can be approved is based on the comprehensive evaluation of the business type, credit status, guarantee method and other factors, and can only be determined after the approval of the handling outlets. It is recommended that you provide relevant application materials and contact the loan handling bank for detailed verification.

(You can consult the credit card service information of China Merchants Bank online through QQ or WeChat. Method 1: Search 4008205555 among QQ corporate friends, and add China Merchants Bank Credit Card Center as a friend; Method 2: Search for "cmb4008205555" on WeChat, and pay attention to China Merchants Bank Credit Card Center)