Hello, because the repayment is not in full, it can only be calculated according to the minimum repayment amount. As long as the repayment is made according to the minimum amount before the due repayment date, there will be no late payment fee and personal credit will not be affected. Please rest assured. However, it will generate cyclic interest. All consumption in the current period starts to bear interest from the bookkeeping date (usually the day after consumption), and the daily interest rate is five ten thousandths until you pay it off in full.

Examples of revolving interest:

● If your bookkeeping date is 5th of each month, the due repayment date is 23rd of each month;

● The current bill printed by the bank for you on April 5th, including all your trading accounts from March 5th to April 5th;

● Suppose there is only one consumption in your current bill, the consumption amount is 65,438 yuan+0,000 yuan, and the time for merchants to apply for payment is March 30th;

● The current payable amount printed on your bill is 65,438 yuan+0,000 yuan, and the minimum repayment amount is 65,438 yuan+0,000 yuan;

● Under different circumstances, your circulating interest is as follows: ① If you pay off ￥ 65,438+0,000 in full before April 23rd, the circulating interest in the statement on May 5th is 0; ② If only the minimum repayment amount is 65,438+000 yuan on April 23rd, the cyclic interest on the statement on May 5th is 65,438+07.85 yuan, and the specific calculation is as follows: 65,438+0,000× 0.05 %× 24 days (from March 30th to April 22nd)+(654,300).

If in doubt, please add enterprise QQ customer service 4008205555 or WeChat to WeChat official account "China Merchants Bank Credit Card Center" for detailed consultation.