Generally speaking, the notification letter of overdue repayment issued by China Merchants Credit Card will not have a very serious impact on personal credit records, but if there has been no repayment or overdue repayment, it will have a certain negative impact on credit rating. If you receive the notification letter of overdue repayment, you are advised to contact the bank as soon as possible and repay the loan on time, so as not to adversely affect your credit history. I suggest not to overdue the repayment as much as possible, so as not to affect personal credit history.