Detailed description:

1. Overdue repayment: The overdue repayment of China Merchants Bank's credit card will be recorded in the personal credit report, even if it is short-term, it may have certain negative effects.

2. Impact degree and duration: The longer the overdue repayment time, the greater the impact on personal credit reporting. Five days overdue is counted as a short time, so the impact may be relatively light.

3. Credit record: Personal credit report will record credit card repayment, including overdue, repayment frequency and other information. Overdue repayment will be regarded as bad credit behavior, which may have an impact on future loans, loans or credit evaluation.

4. Credit score: The credit score in personal credit report is calculated according to personal credit history and repayment situation. Overdue repayment may lead to a decline in credit score, which will affect the approval results of products such as loans and credit cards in the future.

Summary:

Although the repayment of China Merchants Bank's credit card after five days overdue has a certain impact on personal credit reporting, the impact is relatively light due to the short overdue time. However, many factors will be comprehensively considered in the credit score of personal credit report, and overdue repayment may still have a certain impact on future financial activities.

extended data: