If your China Merchants Bank credit card is overdue for 3 days, your credit record will be affected. This is because overdue credit card payments are considered bad repayment behavior and will have a negative impact on an individual's credit history.

First of all, a credit card that is overdue for 3 days will have an impact on an individual's credit record. Credit record is an important basis for assessing personal credit status, and an overdue credit card is a breach of contract that will be recorded in the credit report and have a negative impact on the credit score. This could result in a higher interest rate, lower limit, or risk of rejection when applying for a loan or other credit product in the future.

Secondly, if a credit card is overdue for a longer period of time, the impact on your credit record will be more serious. The longer the overdue time is, the bank will take further measures, such as calling for collection, text message reminders, etc., and may also submit overdue records to credit bureaus. These records will have a greater impact on credit scores and are retained for a longer period of time, affecting the recovery of credit status.

Finally, timely repayment can avoid any impact on your credit history. If an overdue payment occurs, it is crucial to contact the bank promptly and pay off the overdue amount. As long as you can repay before the overdue registration is submitted to the credit bureau, you can reduce the damage to your credit record.

To sum up, if a China Merchants Bank credit card is overdue for 3 days, it will have a negative impact on an individual's credit record. The longer the overdue period, the more serious the impact. Therefore, when using a credit card, it is important to ensure that you pay your bills on time to maintain a good credit history.

Extended information: Credit history is an important tool used by banks and other financial institutions to evaluate an individual's credit status. It provides financial institutions with a reference for customers' credit status by recording personal liability information, repayment records, overdue status, etc. Credit bureaus are institutions responsible for collecting, sorting and statistics of personal credit information. After China Merchants Bank submits credit card overdue records to the credit bureaus, the records will be used as an important reference for assessing personal credit risks and credit ratings.