If it is a China Merchants Bank credit card, it also needs to be repaid normally. If the minimum repayment amount of the bill is not returned 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 means that all consumption in the current period is charged from the bookkeeping date (usually the day after consumption), and the daily interest rate is five ten thousandths until it is fully paid off.

In order to avoid affecting personal credit, it is recommended to 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.