Can China Merchants Bank credit card apply for interest, handling fee and late payment fee reduction?

1, with a good reputation, it is basically paid off on time every month. I didn't pay it back on time once or twice, but I paid it back in a few days. If interest is generated, you can contact customer service to apply for relief.

2. If it is overdue, the handling fee and late payment fee will not be reduced. If the minimum repayment amount of the bill is not returned in time before the due repayment date, late fees and interest will be charged, and personal credit will be affected. The overdue fine is 5% of the unpaid minimum amount, and the minimum amount is RMB 10 yuan or USD 1 yuan. Interest means that all consumption in the current period is charged from the bookkeeping date (usually the day after consumption), and the daily interest rate is five ten thousandths until it is fully paid off.

1 Credit cards, also called debit cards, are credit certificates issued by commercial banks or credit card companies to eligible consumers. It is a card with name, expiration date, number and cardholder's name printed on the front, and a magnetic stripe and signature strip on the back. Consumers with credit cards can go to specialized commercial service departments for shopping or spending, and then the bank will settle accounts with merchants and cardholders, and cardholders can overdraw within the prescribed limits.

2. The credit card stipulated in the relevant laws of China (Interpretation of the Provisions of the NPC Standing Committee on Credit Cards) refers to the electronic payment card issued by commercial banks or other financial institutions with all or part of the functions of consumer payment, credit loan, transfer settlement, cash deposit and withdrawal [1-2]. 20 17 12 1 The English Translation and Writing Standard for Public Service was formally implemented, and the English name of Credit Card was stipulated.

3. Credit card consumption is a non-cash transaction payment method. There is no need to pay cash when spending, and it will be repaid on the billing day.

4. Credit cards are divided into credit cards and quasi-credit cards. Credit card refers to a credit card in which the cardholder has a certain credit limit and can spend first and then repay; Quasi-credit card refers to a quasi-credit card in which the cardholder deposits a certain amount of reserve fund according to the regulations, and when the balance of the reserve fund account is insufficient to pay, it can be overdrawn within the prescribed credit limit. Credit cards generally refer to credit cards.

From the date of 202 1 1 1, the credit card overdraft interest rate is determined by the card issuer and the cardholder through independent negotiation, and the upper and lower limit management of the credit card overdraft interest rate is cancelled (the original upper limit is 0.7 times of the daily interest rate, and the lower limit is 0.7 times of the daily interest rate).