2. Overdue repayment of CMB credit card 10 days will affect your credit record, so remember not to overdue repayment when using CMB credit card to avoid unnecessary interest. Mainly has the following effects:

1) generates liquidated damages, generally the minimum repayment amount, which is 5% of the unpaid part.

2) the interest rate is high, and it is rolling interest. When there are many debts, the interest rate is scary.

3) Overdue will tarnish the credit record, resulting in the inability to handle financial needs such as house purchase and loan in the next two years.

4) If the payment is overdue for more than 3 months, and the amount exceeds 1000 yuan, and the bank fails to make several reminders, it will not only pay back the money, but also bear criminal responsibility.

1. Description of overdue repayment of China Merchants Bank's credit card: Interest will be charged for each consumption from the bookkeeping date, with a daily interest rate of 0.5 ‰ until you pay off the consumption. Every repayment will give priority to paying off the interest generated. Therefore, China Merchants Bank Credit Card Center suggests that you repay your credit card as soon as possible after it is overdue, and you can pay more appropriately to offset the interest already generated. Similarly, China Merchants Bank Credit Card Center also suggests that you can apply for a China Merchants Bank debit card to automatically repay your credit card. As long as the amount of the debit card is sufficient, your credit card will not be overdue. Warm reminder: The overdue repayment of China Merchants Bank's credit card not only needs to pay interest and late fees, but also affects your credit history.

2. CMB credit card has a three-day repayment grace period. Repayment within the grace period is normal and will not be overdue. Beyond this time, it is considered overdue. There are many ways to repay the credit card of China Merchants Bank. You can choose to repay in APP, mobile banking, online banking and automatic repayment, which is a very labor-saving repayment method. China Merchants Bank forgot to return the credit card 10 days, and the cardholder only has the record of this overdue repayment, and the negative will not be particularly great. After clearing overdue debts, it is suggested that cardholders should not cancel their credit cards, but use them normally for two years and accumulate good credit records, which is more conducive to restoring personal credit.

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Computer: windows 10

China Merchants Bank: 9.5.2