A credit card payment that is 8 days overdue will result in a bad record.

Details:

1. First of all, China Merchants Bank credit card has a certain tolerance for overdue repayment, but 8 days of overdue repayment has exceeded the repayment period stipulated by China Merchants Bank. Therefore, according to the relevant policies of China Merchants Bank, overdue repayment for 8 days will result in a negative record.

2. Secondly, late repayment will have a negative impact on personal credit history. Banks will record late repayments on personal credit reports, which will affect personal credit scores and credit ratings. As an important bank, China Merchants Bank will also report overdue repayment records to credit reporting agencies, which will further affect an individual's credit evaluation in other financial institutions.

3. Thirdly, bad records have a long-term impact on personal credit and loan applications. In future loan applications, the borrower's credit record will be referenced by financial institutions, and past bad records may be regarded as bad habits, which will have an adverse impact on the borrower's loan approval.

Summary:

A late payment of 8 days will result in a bad record on the China Merchants Bank credit card and will have a long-term impact on personal credit scores and future loan applications.

Extended information:

In recent years, with the construction of the personal credit system and the emphasis on personal credit records by financial institutions, banks have become more and more strict in handling overdue repayments. Overdue repayments will not only have a negative impact on your personal credit record, but may also lead to a reduction or even freezing of your credit card limit, and may even lead to legal consequences. Therefore, it is very important to develop good repayment habits, ensure repayment on time, and avoid the adverse effects of late repayment.

In addition, if a CMB credit card repayment is overdue for 8 days and creates a negative record, you can learn more about it on the official website of CMB or consult customer service. If you encounter the problem of overdue repayment, it is recommended to contact the bank in time to negotiate and deal with it to avoid the creation of bad records.

The above is a detailed answer to whether there will be a bad record if the repayment of China Merchants Bank credit card is 8 days overdue. Hope this helps.