How to calculate how many days can China Merchants Credit Card be overdue

China Merchants Credit Card can be overdue for three days. Paying off the bill in full or paying back the minimum repayment amount of the bill three days after the repayment date will not be judged as overdue, nor will it generate interest, default and affect the cardholder's credit information.

However, after three days from the repayment date, if the arrears have not been paid off or the minimum repayment has not been made, it will be judged as overdue by the bank. On the second day, the bank will upload the overdue records to the credit information center, which will be reflected in our credit information.

Second, how long will China Merchants Bank's credit card be sued

When China Merchants Bank's credit card is overdue for more than three months, it may be sued by the bank. After being sued by the bank, the borrower must maintain a good communication attitude, get in touch with the bank in time to negotiate repayment, and avoid the court enforcing the freezing of the debtor's property.

if the overdue time is long and the amount is large, and the cardholder intentionally fails to pay back the money, it may be judged as malicious overdraft by the court, and even as credit card fraud in serious cases, which requires corresponding criminal responsibility, so everyone must pay attention to the problem of overdue credit cards.