If China Merchants Bank uses a credit card, both interest and consumption will be included in the next bill. If you choose the minimum repayment amount, you cannot enjoy the interest-free repayment period. All consumption in the current period starts to bear interest from the bookkeeping date (usually the day after consumption), and the daily interest rate is five ten thousandths until you pay it off in full. If all the payable amount of this period is paid off before the due repayment date, you can enjoy the interest-free period of consumption. You can choose the repayment method according to the specific situation.