Hello! If you pay the minimum repayment amount on your China Merchants Bank credit card on time, it will not affect your personal credit record.

If you are unable to repay the full amount on the repayment date, you do not need to repay the full amount but the repayment amount of each period must be greater than the "minimum repayment amount". This is the basic repayment for you to maintain a good credit record. payment requirements.

Minimum repayment amount = 10 cash advance principal

10 non-cash advance transaction principal 100 fees 100 interest 100 excess consumption

100% The unpaid portion of the minimum repayment amount in the previous period is 100% of the single installment amount. Please refer to the minimum repayment amount listed in the bill. If you choose "minimum repayment", 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), with a daily interest rate of 0.05% until you have paid all your bills. Until it is paid off. If you repay the current payment amount stated on the bill in full before the payment due date, you will enjoy the interest-free period for your consumption payments. You can choose the repayment method based on your specific circumstances.

As long as you repay the minimum amount of your bill before the payment due date, no late payment fees will be incurred and your personal credit will not be affected, but recurring interest will be generated and all consumption in the current period will be from Interest will be accrued on the accounting day (usually the second day after consumption), with a daily interest rate of 0.5% until you pay it off in full.

If you still have questions, it is recommended that you use the credit card intelligent service platform to solve credit card problems anytime and anywhere. Click here to view details>/Common/Default.aspx?pageid=zxkf1