(China Merchants Bank) generally has no impact. If you fail to repay your credit card debt in time, you will have a bad record, which will affect your future credit card or loan applications. If you fail to repay for a long time, you may be sued.

If you fail to pay off the minimum payment amount of the previous period's bill before the payment due date (inclusive), late payment fees and interest will be charged. It is recommended that you repay the amount to your credit card as soon as possible. If you need to check your personal credit status, it is recommended that you go to the local People's Bank of China with your ID card to check.