If it is a China Merchants Bank credit card, there is no need to repay if there is no overdraft. If you do not use it for a long time, it will incur an annual fee. The annual fee must be paid on time, otherwise a bill will be generated. Please check the bill for details and make repayment according to the bill.

The annual fee for China Merchants Bank credit card: regular card ￥100/year, regular card supplementary card ￥50/year; gold card ￥300/year, gold supplementary card ￥150/year. When applying for a China Merchants Bank credit card (except unlimited card/platinum card/commercial card/ANA co-branded card/VISA MINI card/MSN MINI card/VOGUE titanium card/HELLOKITTY fan gold card/Miss Kitty perfume credit card), the annual fee for the first year will be borne by China Merchants Bank Your credit card or partner will reduce the advance payment for you if you make 6 purchases with a single card within a full year of validity of your card (from the date of card issuance, not a natural year) (the amount and form are not limited; different types of credit cards require 6 swipes each) pen), the annual fee for the card can be waived for the following year.

After logging in to online banking, 1. View the consumption details of issued bills, click "Account Management" → "Inquiry of Issued Bills" → "Bill Details" of monthly bills. 2. To view the consumption details of outstanding bills, click "Account Management" → "Inquiry of Unbilled Bills".