It will not affect your credit record.

Detailed instructions:

1. After the China Merchants Credit Card expires, if the temporary limit and minimum repayment amount are not paid off in time, you can extend it by phone.

2. Delaying repayment after the fourth day will not have a negative impact on credit history:

a. Banks usually allow a certain grace period during which repayment will not be It is considered overdue;

b. The minimum repayment amount is the minimum repayment amount required by the bank, not the full repayment, so failure to repay the minimum repayment amount will not be immediately deemed overdue;

c. If you repay within the extension period, the bank will generally not submit the repayment record to the credit reporting agency as an overdue record.

3. Summary: When the temporary limit of China Merchants Credit Card expires and the minimum payment cannot be paid off, extending the payment to the fourth day via phone will not have an impact on the credit record.