The payment on the China Merchants Bank credit card was 5 days overdue and the credit report was filed.

Details:

1. Overdue credit card repayment refers to the failure to repay the credit card bill within the specified repayment period.

2. China’s personal credit information is mainly managed and recorded by the Credit Reference Center of the People’s Bank of China (referred to as the Credit Reference Center).

3. As a major commercial bank, China Merchants Bank will promptly report overdue credit card repayment information to the Credit Reference Center.

4. According to my country’s relevant laws and regulations, overdue repayment records will have a negative impact on personal credit evaluation.

5. Credit evaluation results will be used by financial institutions, real estate developers, etc., which may lead to difficulties in borrowing, higher interest rates when applying for mortgages or other credit products, and even affect personal employment and renting.

6. Therefore, if the repayment of the China Merchants Bank credit card is 5 days overdue, it may have a negative impact on the individual's credit record and be reported to the credit bureau.

Summary:

If the repayment of China Merchants Bank’s credit card is 5 days overdue, a credit check will be conducted. This may have a negative impact on personal credit evaluation and increase the number of future loans and applications for credit products. difficulty.

Extended information:

Personal credit history is of great significance to financial institutions and other relevant parties. In addition to late repayments, other factors such as frequent credit applications and the amount of debt owed will also affect the results of personal credit evaluation. Therefore, a good credit record is crucial to maintaining a good financial status and obtaining more financial services. It is recommended that everyone plan their finances reasonably, repay loans on time, and maintain a good personal credit record.