Many cardholders feel anxious when they see their bills after overdrafting their credit cards. If you are unable to repay in full, it is also feasible to choose bill installment to divide the bill amount into N monthly repayments. Taking the China Merchants Baidu Music Co-branded Card as an example, I will introduce to you the installment fees of China Merchants Bank’s credit cards. The design of Baidu Music Card is very exquisite, and the theme elements of starry sky and music score bring strong visual impact and intuitive overall beauty. In addition to the exquisite appearance of the card, the card also provides users with customized exclusive benefits from three aspects: "listening, singing and enjoying".

Note: When using a credit card, you must repay it on time, because once the credit card is overdue, the consumption in the bill will no longer enjoy the interest-free discount. If the card is seriously overdue, the issuing bank may also synchronize the overdue record to the People's Bank of China. Personal credit information system, users whose personal credit information is overdue will find it difficult to apply for bank loans and credit cards. If you use too many credit cards that month and cannot repay in full on time, you can choose to repay according to the minimum repayment amount, or apply for credit card bill installments to avoid overdue credit cards. China Merchants Bank provides cardholders with a variety of personalized installment options including 2, 3, 6, 10, 12, 18 and 24 installments. The corresponding benchmark handling rates for each installment are,,,,, ,, points redeemed for Baidu Music VIP membership) The China Merchants Baidu Music Co-branded Card will be used for the total consumption in one issue of bills and outstanding bills (referring to new consumption in unissued bills and first issue bills, excluding unpaid balances in old bills) You can apply for balance installment (excluding real estate transactions and non-consumption transactions), and you must apply for it at least 1 day before the due repayment. Reminder: Whether it is the minimum credit card payment or the credit card bill installment, you need to pay higher interest, so it is recommended that all cardholders try to choose to repay the money on time and in full; at the same time, develop good card usage habits to avoid becoming a "card slave".