It will have no impact if China Merchants Bank repays the loan in full after one day of overdue payment, because this will be considered as on-time repayment.

China Merchants Bank's credit card has a three-day grace period for repayment, and repayment within this time is not considered overdue. On-time repayment only has normal repayment information records in the credit report. These normal records have no adverse impact on users and can also be used to prove that users have good credit.

China Merchants Bank was established in Shekou, Shenzhen in 1987. It is the first joint-stock commercial bank in China that is completely owned by corporate legal persons. It is also the first pilot project of the country to promote banking industry reform from outside the system. bank.

Since it was first shortlisted for the Fortune Global 500 in 2012, it has been shortlisted for seven consecutive years. In 2018, it ranked 213th on the Fortune Global 500. On June 26, 2019, eight banks including China Merchants Bank were among the first to launch online enterprise information verification systems. In July 2019, the 2019 Fortune Global 500 was released, ranking 188th.

In November 2019, it ranked 85th on the list of the top 100 Chinese enterprises along the Belt and Road Initiative. In December 2019, China Merchants Bank was selected into the 100 Model Brands at the 2019 China Brand Power Ceremony. On December 18, 2019, it ranked 31st on the People's Daily "China Brand Development Index" 100 list.

On January 13, 2020, he was selected into the 2020 Hurun Top Quality Awards. In March 2020, it was selected as the 74th among the top 500 global brands in 2020. In May 2021, it ranked 22nd on the "2021 Forbes Global 2000".

The head office of China Merchants Bank is located in Futian District, Shenzhen City. On April 9, 2002, China Merchants Bank A shares were listed on the Shanghai Stock Exchange. On September 8, 2006, China Merchants Bank began a public offering in Hong Kong, issuing approximately 2.2 billion H shares, raising HK$20 billion, and was listed on the Hong Kong Stock Exchange on September 22.

The net capital exceeds 290 billion and the total assets exceed 4.4 trillion. As of the first half of 2017, China Merchants Bank has more than 1,800 domestic and overseas branches, has established service outlets in more than 130 cities in mainland China, has 5 overseas branches and 3 overseas representative offices, and has more than 70,000 employees.

In addition, China Merchants Bank also wholly owns China Merchants Bank Financial Leasing Co., Ltd., controls China Merchants Fund Management Co., Ltd., holds 50% equity of China Merchants Cigna Life Insurance Co., Ltd., and 50% equity of China Merchants United Consumer Finance Company. ; Wholly-owned holdings of Wing Lung Bank Co., Ltd. and CMB International Financial Holdings Co., Ltd. in Hong Kong.

China Merchants Bank’s development goal is to become China’s leading retail bank. The all-in-one bank card was launched in July 1995, and China's first online banking all-in-one was launched in September 1999. It has become a widely used online payment tool for many enterprises and e-commerce websites, and has promoted the development of China's e-commerce to a certain extent. On April 2, 2015, China Merchants Group Co., Ltd. planned major events. In order to ensure fair information disclosure, protect the interests of investors, and avoid abnormal fluctuations in the company’s stock price,