According to your question, overdue repayment of China Merchants Bank's credit card will bring you the following inconvenience:

1, interest is calculated from the day of consumption, and interest is calculated in cycles;

2. China Merchants Bank will charge you a late fee;

3. Leaving a bad credit record will adversely affect your personal credit activities such as bank loans in the future.

To sum up, I think overdue repayment is not worth the loss! I don't know if you understand my answer. I hope I can help you.