If it is a China Merchants Bank credit card, if you have any consumption, please repay it on time and in full before the due date. First of all, overdue repayment will generate a bad credit record, which will affect your personal credit and future credit business; secondly, overdue repayment will generate interest and liquidated damages; finally, failure to repay for a long time may violate the law, and our bank reserves the right to pursue prosecution.