China Merchants Bank credit card deferred repayment means that the cardholder can't repay the loan on time for some reasons, and the cardholder can apply to the bank for deferred repayment, which delays the repayment of the current bill, but the deferred repayment does not mean that the repayment has been postponed. At present, China Merchants Bank's credit card can only handle two deferred repayments at most, that is, 60 days, and the cardholder needs to take the initiative to apply to the bank. There is a handling fee for delaying repayment of China Merchants Bank's credit card. You need to pay all the handling fees in one lump sum for the first time, and then repay all the principal for the second time.