1. If the credit card of China Merchants Bank has just expired, please pay it off quickly, and then contact the bank quickly. Because the bank has a fixed time to declare credit, if the bad credit situation has not been reported, you can explain the situation to the bank and generally eliminate it.
2. If you are unlucky, you can still save it. We have good communication with the bank and strive for the bank to issue a "non-malicious overdue certificate", which is very beneficial to maintain a good credit record.
3. If you can't even get the "non-malicious overdue certificate", you can only keep a good credit record for five years after the payment is completed, and the previous overdue record can be cleared.
Note: It will be kept for 5 years after payment is completed.