hello, if you can't repay the loan in full by the repayment date, you don't have to repay the loan in full, but the repayment amount of each installment must be greater than the "minimum repayment amount", which is the basic repayment requirement for you to maintain a good credit record. Minimum repayment amount = 1% advance cash principal+1% non-advance cash transaction principal+1% expenses+1% interest+1% excess consumption+1% unpaid minimum repayment amount in the previous period+1% installment amount. Please refer to the minimum repayment amount listed in the bill. If you choose "minimum repayment", you can't enjoy the interest-free repayment period. Interest will be charged on all consumption in the current period from the bookkeeping date (usually the day after consumption), with a daily interest rate of five ten thousandths until you pay it off in full. If you pay off the payable amount in this period in full before the due repayment date, you can enjoy the interest-free period for consumption. You can choose the repayment method according to the specific situation. As long as you repay according to the minimum amount of the bill before the due repayment date, there will be no late payment fee, and your personal credit will not be affected, but there will be cyclic interest. All consumption in the current period will be charged with interest from the bookkeeping date (usually the day after consumption), with a daily interest rate of five ten thousandths until you pay it off in full. If you have any questions about other CMB credit cards, please search for 4825555 among QQ corporate friends and add China Merchants Bank Credit Card Center as a friend. Or search for the number "cmb4825555" on WeChat and pay attention to China Merchants Bank Credit Card Center for consultation. Thank you for your attention and support to China Merchants Bank!