1. Delaying the minimum payment of China Merchants Credit Card will not directly affect your credit record.

2. Detailed description:

- China Merchants Credit Card provides a three-day buffer period to allow the minimum repayment amount to be paid after expiration.

- If you have not paid the minimum repayment amount after the buffer period, you can contact customer service by phone to extend it. Generally, you can extend it for another day.

- After an extension, pay the minimum payment the next day to avoid overdue records.

- However, corresponding liquidated damages still need to be paid after the due date.

3. Summary:

If you fail to repay the minimum payment on time after the China Merchants Credit Card expires, you can extend it for a certain period of time by calling, but you will need to pay liquidated damages. This process will not leave a negative record directly on your credit record or bank.

4.

Extended information:

The specific calculation method of liquidated damages may vary according to the policies of each bank, and may be determined based on the number of overdue days and the overdraft amount. It is recommended to confirm the specific calculation method of liquidated damages with China Merchants Bank customer service.