Core Viewpoint - Recent complaints from users on the Black Cat Complaints platform indicate that China Merchants Bank is charging interest on credit card revolving usage without proper notification, leading to demands for refunds of these charges [2][4]. Group 1: User Complaints - Multiple users have reported that China Merchants Bank has been charging revolving interest fees on credit cards without informing them, with one user claiming a charge of 63,133.42 yuan over several years [4]. - Another user highlighted that they have been charged over 30,000 yuan in additional fees during their six years of using a China Merchants Bank credit card [4]. Group 2: Financial Details - A user reported a credit card limit of 48,000 yuan, which has accrued over 36,000 yuan in interest fees, including more than 20,000 yuan in interest and penalties [4]. - The minimum repayment amount, which is the least that must be paid by the due date, can lead to significant interest costs, as it does not allow for an interest-free period and incurs daily interest from the date of transaction [5]. Group 3: Interest Rate Information - The daily interest rate for minimum repayments is 0.05%, translating to an annualized rate of approximately 18.25%, which can result in high actual borrowing costs [5].