Hello, if you hold a credit card from our bank and fail to pay the minimum payment on the bill in time before the due payment date, late payment fees and interest will be charged, and your personal credit will be affected. The late payment fee is 5% of the unpaid portion of the minimum repayment amount, with a minimum charge of RMB10 yuan or USD1 yuan. Interest will be charged on all consumption in the current period starting from the recording date (usually the second day after consumption), with a daily interest rate of 0.05% until you pay it off in full. In order to avoid affecting your personal credit, it is recommended to repay the bill on time. If it is not convenient to pay off the bill in full, please pay at least the minimum repayment amount on time.

If you have any other credit card questions, you can add the credit card QQ corporate customer service (4008205555) or WeChat (China Merchants Bank Credit Card Center) for consultation. Thank you for your attention and support to China Merchants Bank!