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 repayment 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, and our bank will reserve the right to pursue prosecution. right.