Hello, if you hold our credit card, as long as you repay according to the minimum repayment amount of the bill before the due repayment date, there will be no late payment fee, and your personal credit information will not be affected, but there will be cyclic interest. All consumption in the current period will be charged from the bookkeeping date (usually the day after consumption), and the daily interest rate will be five ten thousandths until you pay it off in full.

According to the regulations of the People's Bank of China, all card-issuing banks must regularly upload customers' consumption and repayment records, and cannot tamper with them. When you handle the loan business in the future, the loan bank will refer to your credit history comprehensively, not just for a certain period of time. If you apply for a personal housing loan in our bank in the future, whether it can be approved is based on the business type, credit status, guarantee method and other factors, and can only be determined after the approval of the handling outlets. It is recommended that you provide relevant application materials and contact the loan handling bank for verification.

(You can consult the credit card service information of China Merchants Bank online through QQ or WeChat. Method 1: Search 4008205555 among QQ corporate friends, and add China Merchants Bank Credit Card Center as a friend; Method 2: WeChat search for "cmb4008205555" and pay attention to China Merchants Bank Credit Card Center)