In this case, it is recommended to repay the loan as soon as possible, otherwise it will affect the personal credit record.

China Merchants Bank offers credit card customers a free 3-day repayment grace period. If the minimum repayment amount is not paid off in time within the grace period, overdue records will be generated and personal credit will be affected.

Credit card overdue solution:

If the cardholder forgets to repay, he must repay as soon as possible, preferably in full. Call the bank's credit card center and declare the non-malicious arrears. If the overdue time is short, the bank may not keep bad records.

When the credit card cannot be repaid due to unemployment, illness and other reasons, the cardholder should take the initiative to contact the bank credit card center before the repayment period.

Explain your financial situation, declare that you are not maliciously in arrears, and apply for deferred repayment or installment repayment. Cardholders take the initiative to apply for deferred repayment, and banks often agree to postpone repayment.

The bank and the cardholder agree on a repayment plan acceptable to both parties.

In this way, the bank will not record bad records, but it must repay on time after applying for an extension.