My daughter owes a credit card, and China Merchants Bank called me for payment, saying she owed more than 40,000 yuan, but my daughter’s bill only amounted to more than 36,000 yuan, and there was still an unpaid balance of 6,000 yuan.

1. The more than 36,000 yuan on the bill has already been paid out and needs to be paid back immediately on the latest payment date;

2. The more than 6,000 yuan on the bill has not been paid out yet. It is included in the account period of the next month and can be paid back next month;

3. If it is overdue, pay it off as soon as possible. Overdue repayment will affect your personal credit report. You cannot get a loan from a bank to buy a house or a car;

4. After paying off the debt, you need to go to the local Personal Credit Reference Center of the People's Bank of China to check your personal credit to see if the bank has Upload your overdue records to the credit reporting center. It's fine if you don't have one. If you do, your credit card can't be canceled. You need to keep using it for a few years and erase the overdue bad records. Otherwise, you won't be able to deal with the bank.