Hello, after your China Merchants Bank credit card is bound to the automatic repayment function with the All-in-One Card, the use of the All-in-One Card will generally not affect the credit record of the credit card. However, if the balance of the card is insufficient and the credit card repayment is not timely and becomes overdue, the credit card record will be affected.

If you have any questions about other China Merchants Bank credit cards, please search 4008205555 in QQ corporate friends and add China Merchants Bank Credit Card Center as a friend; or search the number "cmb4008205555" in WeChat and follow China Merchants Bank Credit Card Center for consultation. Thank you for your attention and support to China Merchants Bank!