Hello, credit card consumption enjoys an interest-free period. For example, if the 5th of each month is the billing date and the 23rd of each month is the repayment date, the consumption from the 5th of last month to the 4th of this month will be repaid on the 23rd of this month. Interest-free period refers to the time period from the bank bookkeeping date to the due repayment date for consumer transactions in which the credit card holder repays all the payable amount before the due repayment date (inclusive). The longest interest-free repayment period is 5 days, unless otherwise agreed between the card issuer and the applicant, but the longest interest-free repayment period shall not exceed the longest interest-free repayment period required by relevant laws and regulations (except cash advance).

if the credit card fails to repay the bill in full on time, it will not enjoy the interest-free period. Each consumption amount in the last statement is the interest-bearing principal, and the interest-bearing days are from the bookkeeping date of the account to the repayment date of the account, and the daily interest rate is five ten thousandths (full repayment is made in time according to the bill, and credit card consumption is interest-free).

the annual fee of China merchants bank's credit card is ￥1 yuan/year for ordinary card and ￥3 yuan/year for gold card. The annual fee is charged once a year. If two cards or supplementary cards are applied at the same time, the annual fee for the second card or supplementary card is 1/2 of the first card. The annual fee is calculated from the issuance date of your card (the validity period under the credit card number, and the previous date is the issuance date), which is not a natural year. If you successfully apply for China Merchants Bank credit card (except unlimited card/platinum card/business card /ANA co-branded card /VISA MINI card /MSN MINI card /VOGUE titanium card /HELLOKITTY fan gold card /MISS KITTY perfume credit card), the annual fee for the first year will be reduced in advance by China Merchants Bank credit card or partners, and you will spend six times (amount, non-natural year) on a single card within one full year of your card validity (from the card issuance date). And this offer will be valid for a long time before the change notice of the new annual fee preferential policy.

the annual fee is calculated from the card issuance date (the date is displayed below the credit card number, the previous date is the issuance date, and the latter is the expiration date; If only one date is displayed, it is the expiration period). For example, the card says 7/1-7/13, which means the credit card was issued in July 21. The first year is from August 1, 21 to July 31, 211, and the annual fee collection is shown on the bill in August each year.