Hello, the repayment date is the due repayment date on your bill. But there is no interest-free period for cash withdrawal. Interest is calculated from the date of withdrawal, with a daily interest rate of 0.5 ‰ and compound interest on a monthly basis. If you have the ability, it is recommended to repay as soon as possible.

If the minimum repayment amount of the bill is not paid in time before the due repayment date, late fees and interest will be charged, and personal credit will be affected. 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.

If you have any other questions, please open www.cmbchina.com, the homepage of China Merchants Bank, and click "Online Customer Service" in the upper right corner to enter the consultation.