China Merchants Bank credit cards can generally be overdue for 3 days, and there is still a grace period of 3 days after the final repayment. These three days are not overdue, and there will be bad records after that.

When the repayment expires, no matter which repayment method is chosen, at least the minimum repayment amount must be guaranteed, otherwise it will not only generate interest for the cardholder, but also the bank will charge a corresponding proportion of late fees, and leave a bad credit record for overdue repayment, which may affect the cardholder's application for loan approval from the bank in the future.

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China Merchants Bank Credit Card Center is the first credit card center operating independently in accordance with international standards in China, which has truly realized the integration and professional service of credit cards.

While refreshing the credit card records, China Merchants Bank's credit card adheres to the service concept and innovative spirit of "changing with you", actively explores the market, expands market alliances, deepens market segmentation, and its functions and services are increasingly enriched and improved. It is one of the most innovative joint-stock commercial banks in China.

References:

Baidu encyclopedia-China merchants bank credit card center