Hello, if your credit card is from China Merchants Bank, there is no handling fee for one-time repayment after swiping the card and full repayment before the due date.

It is not convenient. It is indeed impossible to apply for installments by repaying the loan in full and withdrawing cash. If it is inconvenient to repay the bill in full, there are two ways for you to choose:

1. Bill installment (only for business cards, official cards (including financial official cards), Cardholders of purchasing cards, ANA guaranteed cards or supplementary cards cannot apply): Interest-free period is available but there is a handling fee. Handling fee per period = total installment amount × handling fee rate per period. The minimum handling fee per period is 5 yuan. The base rates for each period are: 0.9 per period for 3 periods, 0.75 per period for 6 periods, and 10. 0.70 per installment, 0.66 per installment for 12 installments, 0.68 for 18 installments, and 0.68 for 24 installments (if the total installment amount is 800 yuan and is repaid in 6 installments, then the repayment amount per installment is 800/6=133.33 yuan, each installment Interest is 800*0.75=6 yuan) For details, please log in to the credit card website/ and click "Credit Finance"-"Bill Installment" to inquire;

2. Minimum repayment: no handling fee but no interest-free Expect. If you repay the minimum payment but less than the full amount before the final payment date, you will not be able to enjoy the interest-free repayment period. All consumption in the current period will accrue interest from the recording date (usually the second day after consumption). The interest will be 0.05% until you pay it off in full.

"If you have other questions, it is recommended that you add "QQ" or "WeChat" for online consultation.

Method 1: Search for "4008205555" among QQ corporate friends and add " "China Merchants Bank Credit Card Center" as a friend;

Method 2: Search the number "cmb4008205555" on WeChat and follow China Merchants Bank Credit Card Center.

For detailed instructions, please click: /Common/default.aspx ?pageid=zxkf, thank you for your attention and support! "