1, calculated together when charging;

2. If there is no full repayment, it can only be calculated according to the minimum repayment amount. As long as the payment is made according to the minimum amount of the bill before the due repayment date, there will be no late payment fee and personal credit will not be affected. Please rest assured. However, it will generate cyclic interest. All consumption in the current period will start to bear interest from the bookkeeping date (usually the second day after consumption), and the daily interest rate will be five ten thousandths until you pay it off completely;

3. The cardholder shall be repaid by the card issuing institution in the order of billed and unbilled, and the billed part shall be paid off one by one in the order of annual fee, interest, expenses, cash advance or transfer transaction principal and consumption transaction principal;

4. Borrowing cash in advance will generate corresponding handling fees and interest. Handling fee: The handling fee is calculated according to 65,438+0% of each cash advance in domestic RMB, with a minimum charge of 65,438+00 yuan for each cash advance abroad (including Hong Kong, Macao and Taiwan) and a minimum charge of 30 yuan or US$ 3 for each cash advance. Interest: advance cash transactions do not enjoy interest-free repayment. From the trading day, interest will be charged at the daily rate of 0.5 ‰ until the settlement date, and the interest will be compounded monthly. Compound interest, that is, the interest generated last month, should also be recalculated.

If in doubt, please add enterprise QQ customer service 4008205555 or WeChat to WeChat official account "China Merchants Bank Credit Card Center" for detailed consultation.