1. Billing installment (only for business cards, business cards (including financial business cards), purchase cards, ANA protection cards or supplementary cards): you can enjoy the interest-free period, but there is a handling fee. Handling fee per installment = total installment amount × handling fee rate per installment. The minimum handling fee for each period is 5 yuan, and the benchmark rates for each period are: 0.9% for the third period, 0.75% for the sixth period, 0.70% for 10, 0.66% for 12 and 0.68% for 18 respectively.

2. Minimum repayment amount: no handling fee but no interest-free period. If the minimum repayment amount is paid before the final repayment date, but less than the full amount, you cannot enjoy the interest-free repayment period. From the bookkeeping date (usually the day after consumption), interest will be charged on all consumption in the current period, with a daily interest rate of 0.5 ‰ until you pay it off in full.

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.