Hello, if you have an extra balance, it doesn’t matter. If you still have more than ten yuan to pay off, please pay it off as soon as possible. If you fail to pay it back in time before the due payment date Minimum payments on your bill, late fees and interest, and an impact on your personal credit. 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 second day after consumption), with a daily interest rate of 0.05% until you pay it off in full.

If you have any other credit card questions, you can add the credit card QQ corporate customer service (4008205555) or WeChat (China Merchants Bank Credit Card Center) for consultation. Thank you for your attention and support to China Merchants Bank!