Hello, if you hold a China Merchants Bank credit card, if you fail to repay the minimum payment on your bill in time before the payment due date, late fees and interest will be charged, and your personal credit will be affected. The late payment fee is 5% of the unpaid portion of the minimum repayment amount, with a minimum charge of RMB10 yuan or USD1 yuan. Interest will be charged on all consumption in the current period starting from the recording date (usually the next day after consumption), with a daily interest rate of 0.5% until you pay it off in full. In order to avoid affecting your personal credit, it is recommended that you repay the bill on time. If it is not convenient to pay off the bill in full, please pay at least the minimum repayment amount on time.