One-month repayment deferment cannot be applied for China Merchants Credit Card. China Merchants Credit Card has a 3-day repayment grace period, so you can defer repayment for 3 days, but you cannot defer repayment for one month. If the repayment is delayed for one month, China Merchants Bank will directly regard the user as overdue repayment. Overdue repayment will accrue overdue interest, and overdue records will also be uploaded to the credit report. Therefore, users must repay the outstanding balance of China Merchants Bank credit card between the repayment date and the grace period. Users who do not have the ability to repay can choose minimum repayment or installment repayment. Although other fees will be charged, overdue payments can be avoided.