At present, China Merchants Bank provides users with a three-day repayment grace period service every month. For example, if the final repayment date is the 5th of each month, the repayment can be made in full before 24: 00 pm on the 8th of that month at the latest, and no extra expenses will be incurred, and the repayment record of the current period will not be affected. This service does not require active application.

Repayment beyond the grace period is deemed overdue, and liquidated damages and interest will be charged. After overdue, we will inform you to repay the loan as soon as possible through SMS, telephone and other channels, and send a reminder message. If the repayment is not timely, we reserve the right to freeze your China Merchants Bank credit card account at any time. After the credit card account is frozen, it will be unable to consume and affect the credit record in the credit information system of the People's Bank of China. For the convenience of your future work and life, it is recommended to repay on time. If it is not convenient to pay off the bill in full, please at least pay off the minimum repayment amount on time.

(reply time: 2065438+June 2009 10. Please refer to China Merchants Bank (official website) for the latest business changes.