If you use China Merchants Bank credit card, credit card and online payment, you can enjoy the interest-free period. Interest-free period means that you don't have to pay any interest if you pay off all the consumption money before the final repayment date. If your consumption occurs before the current bill date, it will be included in the current bill. Please repay before the current repayment date. If it is included in the next bill after the bill date, it can be repaid before the next repayment date.