Yes, the following are the required answers:

Can I still use the China Merchants Bank credit card after paying off the minimum payment after it is overdue for three months?

Answer: You can still use it after paying off the minimum payment three months overdue.

Details:

1. When a China Merchants Bank credit card is overdue for three months, it will generally be considered seriously overdue, which may have a negative impact on your credit record. However, as long as the repayment is completed, the bank will decide whether to restore the right to use the credit card based on specific circumstances.

2. According to the policy of China Merchants Bank, if a customer repays the minimum repayment amount after three months of overdue payment, he or she can continue to use the credit card after the fees and penalty interest are calculated. However, banks may limit subsequent consumption or require customers to provide some guarantee measures, such as increasing deposits.

3. It should be noted that each bank may have different policies when dealing with overdue issues, and specific recovery restrictions need to be confirmed with China Merchants Bank. At the same time, late repayments will have a negative impact on personal credit records and may lead to difficulties in approval when applying for other loans or credit products.

Summary:

After paying the minimum repayment three months overdue, China Merchants Bank credit cards can continue to be used, but specific restrictions and requirements will vary depending on personal circumstances and bank policies. . Overdue behavior may have a negative impact on personal credit history, so it is recommended to pay off your loan early to avoid overdue payments.

Extended information:

Late repayment refers to the cardholder’s failure to repay the credit card debt on time after the repayment date. Banks usually charge penalty interest for late repayments and may take collection actions. At the same time, late repayments will also be recorded in personal credit reports, which will have a negative impact on credit records.

When dealing with overdue repayment issues, in addition to affecting personal credit records, banks may also take some measures, such as limiting the use limit of credit cards, suspending credit limit increases, and increasing repayment guarantee measures. Therefore, it is recommended that cardholders make repayments as soon as possible after overdue payments to avoid unnecessary fees and impacts.

Please note that the above answers are based on general conditions and common bank policies. Specific situations may vary depending on changes in personal credit status and bank policies. When encountering overdue issues, it is recommended to contact China Merchants Bank or relevant financial institutions promptly to understand the specific situation of your personal account and seek professional advice.