The first thing you have to do after a China Merchants Bank credit card is overdue for three months is to repay it in time. During the repayment, in addition to the outstanding amount, there will also be penalty interest. If you don’t know the specific amount, you can call us for consultation. , if the credit card is overdue for three months, your credit report will generally be reported. If you are unsure, you can call China Merchants Bank Credit Card Customer Service to confirm.

If the overdue record has been listed in the credit report, and the credit card has not been frozen, it is recommended that you continue to use this credit card, pay back on time when using it, and cover the original bad records with good records Records generally require continuous use for more than two years. Never cancel a credit card after it is overdue, even if the balance is paid off.

It is best not to be overdue when using a credit card. Having an overdue record will affect many aspects. For example, when you get a loan to buy a house, you will check your credit report. If the credit report is bad, you will be rejected; when you get a loan to buy a car, you will be rejected. Credit reports will also be checked from time to time, which will also increase the risk of rejection.