hello, if it's a credit card, the arrears will not be automatically cancelled. If you don't return the bill in time for the minimum repayment before the due repayment date, you will be charged a late fee and interest, which will affect your personal credit. 5% of the unpaid part of the minimum repayment amount will be charged for the overdue fine, and the minimum payment will be RMB1 yuan or USD1 yuan. Interest means that all the consumption in the current period will be collected from the bookkeeping date (usually the day after consumption), with a daily interest rate of five ten thousandths until you pay it off in full. In order to avoid affecting personal credit, it is recommended that you pay back on time. If it is inconvenient to pay off the bill in full, please pay off at least the minimum repayment amount on time.

if you are an all-in-one card, since June 8, 213, our bank has initiated the centralized batch account cancellation operation for ordinary all-in-one cards that meet certain conditions. The specific conditions are as follows: (1) The cardholder only holds the ordinary all-in-one card of our bank, and does not hold a debit card above the ordinary all-in-one card (including but not limited to the all-in-one card gold card, sunflower card, etc.). (2) The balance of the "one-card" ordinary card account is zero, and there is no outstanding interest. At the same time, for two consecutive years (including two years), the cardholder has not used the card to initiate any transaction (including ATM withdrawal and POS consumption). (3) The "all-in-one-card" ordinary card is still active and is not in the state of loss reporting, card replacement and freezing. (4) The "All-in-One Card" ordinary card is not related to our credit card repayment or personal loan repayment, and other functions of our bank such as withholding, remitting and issuing are not enabled. (5) The cardholder does not hold a valid or inactive credit card of our bank, and there is no credit card application in transit in our system. (6) "All-in-one Card" ordinary card is not our housing provident fund card or enterprise annuity card.

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