Overdue repayment of credit card: 1. Your bad repayment record will be recorded in the personal credit information system, which will affect your handling of other businesses in the bank, such as loans. 2. Breach of contract will always generate interest and late fees. If the bank thinks that you are in bad faith, it will sue in the name of credit card fraud, which is an economic crime.

Taking China Merchants Bank as an example, the minimum repayment amount is the minimum amount that needs to be repaid in the current month when revolving credit is used, and the minimum repayment amount is listed in the current bill. The calculation method of the minimum repayment amount of each bill: the minimum repayment amount = 65438+ 00% of all general transactions in the credit card account+65438+000% of all outstanding installment transactions in the account+65438+000% of the unpaid part of the minimum repayment amount in the previous period+65438+000% of all funds used in excess of the credit limit of the account+100.

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.