China Merchants Bank's credit card was unexpectedly overdue for 4 days, and the cardholder was in an overdue state. In this case, if the user has the ability to repay later, he should pay off the arrears in time. If the user is unable to repay, he can submit relevant information to apply for re-installment, and then repay by re-installment.

If the repayment capacity is still exceeded after re-installment, the cardholder can provide materials at the counter of offline outlets after the next bill comes out and negotiate to apply for personalized repayment. Among all kinds of treatment methods, repayment as soon as possible is the best way that cardholders can do, which involves the least impact.