Hello, credit card swiping enjoys interest-free. The interest-free period refers to the credit card holder repaying the entire amount due before the due payment date (inclusive). Consumer transactions that can enjoy interest-free treatment are from the bank accounting date to the expiration date.

The period between repayment dates.

The maximum interest-free repayment period is 50 days, unless otherwise agreed between the card issuer and the applicant, but the maximum interest-free repayment period shall not exceed the maximum interest-free repayment period required by relevant laws and regulations (advance loan)

(except cash).

Credit card cash withdrawals will charge interest until you pay them off.

1. Credit cards are mainly used to consume first and then repay. You can use bank funds to consume in advance and enjoy the interest-free period. This is a financial management method.

2. A credit card is not a savings card, and interest will not be charged on deposits in the credit card.

3. Credit card can be used as a payment tool and can be consumed directly through the card-swiping POS machine or online payment platform installed by the merchant.

4. The bank will also provide you with various forms of points, discounts, installments, draws, promotions and other activities.

5. Credit card is still the main international payment tool. On international websites, you only need to fill in your personal credit card information to make purchases directly. And if you are staying in a hotel on a business trip, only a credit card can complete the hotel pre-authorization for you.

The benefits of China Merchants Bank Credit Card include: 1. 50% off for movies 2. 50% off for Food Day 3. 50% off points redemption 4. Points redeemed at McDonald’s 5. To exchange points for 50% off Starbucks movies, please click to view: /ccard/movie/MERCHANT

Bank credit card offers a 50% off food event on Wednesday. You can click on this link /ccard/2013meishi/ and select a city to view details.

You can click this link to view the details of China Merchants Bank's preferential activities. After the credit card is opened, in addition to the functions of the credit card, no other additional services will be added. General services require you to apply for activation.

If you shop in installments, you can use a China Merchants Bank credit card to pay in installments through Amazon, Suning.com, Apple Online Store, Taobao (Tmall) and other partner websites.

(Business cards do not have installment service) Cardholders can choose to repay the credit card amount in equal installments such as 3 installments (months), 6 installments (months), 12 installments (months), etc. based on the total price of the purchased goods or services.

Our bank provides interest-free installment business, providing customers with interest-free monthly payments. During the repayment period, customers use our bank's credit card account to pay the price of the product in monthly installments, as long as the monthly payment is due before

Repay the bill amount in full to enjoy the interest-free period.

However, there will be installment handling fees. For specific charging standards and applicable stores, you can log in to our credit card website/StepShop/ and click "Installment Shopping" to check.

Even if the installment is settled in advance, the handling fee will not be refunded.

If you purchase installment products in the credit card mall through our credit card website, you do not need to pay handling fees.

If your credit card can be used normally, the installment limit is your actual available limit.

For example: If your current actual available limit is RMB 3,000, the amount of installment transactions that can be processed does not exceed RMB 3,000.

If you are unable to apply for installment due to insufficient quota, it is recommended that you adopt the following methods: (1) Apply to increase the fixed quota; (2) Complete the installment transaction by depositing the corresponding amount of money for the insufficient quota (i.e., overpayment installment);

This needs to be applied manually.

(3) Pay part of the money to the merchant in cash or other ways to reduce the amount of installment payment; (4) After the one-time payment, call to apply for bill installment, but bill installment needs to pay corresponding handling fees. Whether the application is approved will be determined by our bank

The comprehensive evaluation result shall prevail.

The credit card installment amount cannot be modified after it is successful. If you need to settle the installment amount in advance, please call our customer service hotline and we will transfer the manual application for you.

After the application is approved, the undisbursed principal and handling fee will be settled in one go and will be included in the next month's bill, and the bill amount needs to be paid off in one go.