What you want to ask is that the overdue requirement of China Merchants Bank's credit card is still the lowest, and it has been returned several times. What if it's really gone this time? Negotiate with the bank and borrow money from others.

1. Contact the credit card customer service of China Merchants Bank to explain the situation and difficulties. Customer service will give a certain grace period to repay, and also give corresponding repayment plans and suggestions, such as installment repayment.

2. Borrow money from family, relatives and friends. In order to pay off the arrears as soon as possible and avoid negative effects.