Take the credit card of China Merchants Bank as an example. If the minimum repayment amount of the bill is not returned in time before the due repayment date, liquidated damages and interest will be charged, and personal credit will be affected. The penalty 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.