1. If you use China Merchants Bank credit card for repayment, you can pay off the bill in time before the final repayment date, and you can enjoy the interest-free period. If you can't pay off the bill or return it on time, you can cancel the interest-free period and pay five ten thousandths of interest every day from the credit card date until you pay off the principal and interest.

2. For the credit card overdraft of China Merchants Bank, the withdrawal fee shall be charged at 1% of the withdrawal amount, with the minimum of 10 yuan. For example, if the overdraft amount is less than 1000 yuan, it shall be charged at the rate of 1000 yuan.

3. China Merchants Bank credit card overdraws cash, and there is no interest-free period. From the date of overdraft, according to the overdraft amount, interest of 0.5 ‰ will be deducted every day until the principal and interest are paid off;