ICBC's minimum repayment or overdue repayment is that one bank will pay a penalty interest on the balance, and all other banks will pay a penalty interest in full. There is no handling fee for ICBC's local credit card withdrawal, and there is a handling fee for China Merchants Bank's credit card withdrawal.

ICBC credit card is the credit card with the highest circulation in China. At present, ICBC credit cards mainly include: Peony International Credit Card, Peony Credit Card and Peony Credit Card; ICBC credit cards are divided into: Peony Visa Card, Peony MasterCard and Peony American Express Card by brand; According to the credit rating, it is divided into: platinum card, gold card and ordinary card; According to the issuing object, it is divided into business cards and personal cards, in which personal cards are divided into main cards and auxiliary cards.

China Merchants Bank missed the repayment date.

Or not according to the minimum repayment amount.

A 5% late fee will be charged for the unpaid part of the minimum repayment amount.

And affect personal credit records.

Once you have a bad credit record,

It is almost impossible to apply for a credit card or loan in a bank.