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My China Merchants Bank credit card is empty, but I will repay it every month. Is everything okay?

Hello! If it is a China Merchants Bank credit card, if you have any consumption, please repay it on time and in full. First of all, overdue payment will generate a bad credit record, which will affect your personal credit and future credit business, such as loans. Secondly, overdue repayment will generate interest and late fees. Finally, failure to repay for a long time may violate criminal laws.