How long does it take for the CMB e-instalment to be overdue? Although a separate account will be opened after the e-installment is successfully processed and needs to be repaid separately, the repayment date and billing date are the same as the credit card, so the services that the credit card can provide can also be provided by e-installment. And we all know that China Merchants Bank credit card has a 3-day grace period. As long as the overdue time does not exceed the grace period, it will be regarded as normal repayment, and naturally it will not be reported to the credit report. That is to say, it is not truly overdue until the 4th day after the final payment date. In this case, a credit report will be filed. Therefore, if you find that you have forgotten to repay the e-installment, especially if it exceeds the allowed period, the first thing you should do after the overdue payment is to repay immediately. After the repayment arrives, call the customer service number of the card bank to ask whether the overdue payment has been made. The information has been uploaded to the central bank's credit reporting system. If it has not been reported, the bank may not pursue it after seeing that you have repaid the loan. If it has been reported, there is nothing you can do. The China Merchants Bank credit card will report the user's overdue behavior to the central bank's credit reporting system only after the next billing date. However, the new version of the credit report stipulates that the bank must report it on the same day, and the credit report will be updated the next day after the report is submitted. There is no room for rescue in this situation. The above is the relevant introduction to "How long does it take for China Merchants Bank e-instalment to be overdue to file a credit report", I hope it will be helpful to everyone. The final thing to remind is that e-instalment repayments are made through a special account. You must not repay the balance to your credit card, as this will also lead to overdue payments.