In the case of China Merchants Bank credit card, if you fail to return the minimum repayment of the bill in time before the due repayment date, you will be charged a late fee and interest, and your personal credit will be affected. 5% of the unpaid part of the minimum repayment amount will be charged for the overdue fine, and the minimum payment will be RMB1 yuan or USD1 yuan. Interest means that all the consumption in the current period will be collected 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 pay back on time. If it is inconvenient to pay off the bill in full, please pay off at least the minimum repayment amount on time.