① The latest bill has been repaid in full and on time, and there is no delay in the repayment of the last three bills;

(2) Transactions that can't be paid by installments include: cash advance transactions, installment transactions and various expenses (such as annual fees, interest, late fees and other credit card fees); Dollar account transactions and funds that have applied for foreign exchange purchase, real estate transactions, pre-authorization transactions and other transactions designated by the card center. For details, please log on to the credit card website/click "Credit Management"-"Bill Installment" to inquire about the terms of bill installment.

It is feasible to repay according to the minimum repayment amount. As long as the payment is made according to the minimum amount of the bill before the due repayment date, there will be no late payment fee and personal credit will not be affected. Please rest assured. However, it will generate cyclic interest. All consumption in the current period starts to bear interest from the bookkeeping date (usually the day after consumption), and the daily interest rate is five ten thousandths until you pay it off in full.

3. The cardholder shall be repaid by the card issuing institution in the order of billed and unbilled, and the billed part shall be paid off one by one in the order of annual fee, interest, expenses, cash advance or transfer transaction principal and consumption transaction principal.

Our credit card repayment channel is complete: /cc return/. You can choose the way that suits you, such as Alipay.

5. Yes, there will be no bad record.

If you have any other questions, please open www.cmbchina.com, the homepage of China Merchants Bank, and click "Online Customer Service" in the upper right corner to enter the consultation.