How long has the credit card expired? The bank will call you.

As a banking industry, once it is overdue, it can be prompted by SMS or telephone. If it is within 10 days, it is normal. Overdue for more than 10- 15 days, two consecutive overdue days can be blacklisted.

Credit cards are usually overdue, which is normal. Banks will charge overdue interest, which is the source of bank profits. Please be careful not to be overdue continuously. Continuous overdue is a vicious overdraft, which is one of the important targets of bank crackdown.

With China Merchants Bank's credit card, the minimum repayment amount is the minimum amount that you must repay before the monthly repayment due date stipulated by the bank. You can not repay in full, but the repayment amount of each installment must be greater than the minimum repayment amount, which is the basic repayment requirement for you to maintain a good credit record. If you can't enjoy the interest-free repayment period by choosing the minimum repayment amount, you will be charged interest on all the consumption in the current period from the bookkeeping date (usually the day after consumption), with a daily interest rate of 0.5 ‰ until you pay it off in full. If all the payable amount of this period is paid off before the due repayment date, you can enjoy the interest-free period of consumption. You can choose the repayment method according to the specific situation. Minimum repayment amount = 10% advance cash principal+10% non-advance cash transaction principal+100% expense+100% interest+100% excess consumption+100. Please refer to the minimum repayment amount listed in the bill.