First, pay off the overdue money as soon as possible. Pay the overdue amount and related fines to ensure that the credit card account returns to normal state.
Secondly, contact the bank and explain the situation. Call the customer service hotline of China Merchants Bank to explain your overdue situation and express your willingness to repay. Banks may provide some feasible solutions or options to reduce fines.
In addition, it is very important to establish good repayment habits. Ensure timely repayment in the future to avoid overdue again. Help yourself manage your credit card account better by setting reminders or automatic deductions.
Summary: For the case that China Merchants Bank's credit card is overdue for 4 days, the most important thing is to pay back the money as soon as possible and communicate with the bank to explain the situation. At the same time, establishing good repayment habits will help to avoid the recurrence of similar problems.
Extended data:
Overdue credit cards will damage credit records and affect personal credit rating. Therefore, dealing with overdue issues in time is an important step to maintain personal credit. As a major bank in China, China Merchants Bank provides various overdue repayment solutions, such as installment payment and penalty reduction. However, the specific solutions may vary according to individual circumstances. It is recommended to consult the customer service of China Merchants Bank for the most accurate help and guidance.