Count. China Merchants Bank's credit card is overdue for 4 days and has a bad record. China Merchants Bank's credit card is overdue for four days, and the overdue record will be uploaded to the personal credit report. There is a three-day grace period for credit card repayment of China Merchants Bank, and it is not overdue after the last repayment date. If it is overdue on the fourth day, the bank will directly report the credit report.