credit card repayment (including e-installment) has a grace period of 3 days (no need to apply), and the delay in paying off the bill or the minimum repayment amount within 3 days from the repayment date will not affect your credit history.

for example, if the final repayment date is 5th, and the repayment is delayed for 3 days until 24: pm on 8th of that month, it is normal repayment.

Tips

1. Repayment of China Merchants Bank's credit card through transfer from other banks is recommended to be done 1-2 days in advance, and the time limit for account payment is noted.

2. Full repayment will not generate fees, while minimum repayment will generate interest fees.

3. It is suggested to directly call the customer service hotline of the credit card center for detailed consultation on repayment negotiation.

(Response time: September 6, 22, please refer to China Merchants Bank official website for the latest business changes).