Hello, if it is a China Merchants Bank credit card, credit card consumption enjoys an interest-free period, which means that your consumption from the 1st to the 31st or 30th of the statement date will be included in the bill amount, and this amount will be repaid in the next month. Just make the repayment on the 21st of the billing day. You consume on the 1st of the billing day and repay on the 21st of the repayment day. This period is the interest-free period, and the longest interest-free period is about 50 days.

Your minimum repayment will not affect your credit.

The minimum repayment amount refers to the minimum monthly repayment amount of a credit card, which is displayed on the credit card statement for that month. If you cannot repay it all at once, you can repay the minimum payment amount on time before the final payment date. This will not affect your personal credit, but you will not be able to enjoy the interest-free repayment period. Interest will be accrued on all consumption in the current period from the recording date. Interest rate is five ten thousandths. (If you repay in full on time, you can enjoy the interest-free period if you use your card to make purchases)

If you have any questions about other China Merchants Bank credit cards, please search "4008205555" in QQ Business Friends and add "China Merchants Bank Credit Card Center" as a friend ; Or search the number "cmb4008205555" in WeChat and follow "China Merchants Bank Credit Card Center" for consultation. Thank you for your attention and support to China Merchants Bank!