1. According to the regulations of China Merchants Bank, the repayment date of China Merchants Bank's credit card is generally 18 days after the billing date, and you can enjoy interest-free repayment from the billing date of the credit card to the repayment date.
2. Under normal circumstances, the repayment date of different credit card holders of China Merchants Bank is different. If the billing date of the cardholder's credit card is 25th of each month, the repayment date of the cardholder's credit card is 13 of the following month, and the consumption before the billing date needs to be repaid on 13 of the following month.
3. Under normal circumstances, if the cardholder has not completed the credit card repayment on the credit card repayment date of China Merchants Bank, there will be corresponding interest and late payment fees. The repayment period of China Merchants Bank credit card is three days, so for cardholders, the actual repayment date can be pushed to the third day after the repayment date. Because different credit card products have different provisions on grace period, it is recommended to consult the bank.
: What should I do if the credit card installment hasn't arrived yet?
1. Apply for credit card installment extension. The so-called credit card installment extension means that the cardholder can call the customer service phone of the issuing bank to apply for extension of the installment number, and the bank will extend the installment number according to the cardholder's application before the installment transaction that the cardholder has successfully handled ends, but the extension time cannot exceed the longest installment number.
2. Ask friends and relatives for help. If the credit card is installment, but it is unable to repay, it is suggested that you should confess to your family, ask for help to see if you can borrow money, and then apply for early termination of installment, pay off the installment in one lump sum, and then repay it to your relatives and friends.
3. Liquidate assets to pay off debts. If you still have some assets in your hand, you can realize the debt first, and if you can, you can also apply for early termination of the installment. After all, the credit card installment hasn't arrived yet, and you will charge various fees after the deadline. Let's solve the immediate problem first.
4. Negotiate repayment. If you lose your ability to work and have no source of income, you can report the situation to the bank, negotiate repayment, see if you can stop paying, and then pay off the arrears in five years. In the meantime, you should repay the loan as agreed.