According to the regulations of China Merchants Credit Card, past overdue times will have an impact on subsequent overdue processing. If you are overdue twice within a year and then overdue again, it will be counted as overdue for the third time.

Detailed instructions:

1. China Merchants Credit Card’s calculation of the number of overdue payments is based on the cumulative number within a time period.

2. If the payment is overdue twice within one year, the second overdue payment will be counted as the third overdue payment. This means that overdue records do not disappear due to the passage of time, but are calculated within a limited time period.

3. Even if one year has passed since the first overdue payment, if an overdue payment occurs again, it will be regarded as a second overdue payment. If the payment is overdue again on this basis, it will be counted as overdue for the third time.

Summary:

The regulations of China Merchants Credit Card are that after two overdue payments within a year, the second overdue payment will be deemed to be overdue for the third time.

Extended information:

Late payment refers to the failure to repay the debt on time after the credit card bill payment date. The calculation of the number of overdue payments has an important impact on credit history and credit scores. The more overdue items you have, the greater the negative impact on your credit score. Therefore, avoiding late payments is key to maintaining a good credit record.

According to the regulations of China Merchants Credit Card, the number of overdue items will not be automatically eliminated due to the passage of time. Once it is overdue twice, it will be regarded as a third overdue occurrence, which will have a more serious impact on credit. Therefore, cardholders must make timely repayments when using credit cards to avoid overdue payments that may have a negative impact on their personal credit.

The above is the answer based on the regulations of China Merchants Credit Card. In actual situations, each bank may have different regulations for handling overdue payments. It is recommended that cardholders understand the relevant regulations of their credit cards and reasonably manage their borrowing behavior to avoid late repayments.