If your China Merchants Bank credit card is overdue for 5 days, your credit report will be affected. Overdue credit card refers to the failure to repay the amount due on the credit card bill on time. The following is a detailed explanation of this issue:

1. Overdue credit card records will have a negative impact on your credit report. Overdue repayments will be recorded in personal credit reports, and credit reports are one of the important basis for assessing personal credit status.

2. The impact of overdue credit cards is mainly reflected in the following aspects:

- Credit score decline: Credit agencies will assign credit scores based on personal credit status, and overdue records will This leads to a decline in credit scores, which in turn affects personal credit approval results in terms of loans and credit card applications.

- Damaged credit report: Overdue records will leave traces on the individual's credit report, which may be inquired by other financial institutions, rental companies, etc. A bad credit record may cause other institutions to question the individual's creditworthiness and cause difficulties in subsequent business processing.

- Interest rate increase or limit adjustment: Overdue records may cause credit card interest rates to increase or limit to be reduced. The bank has the right to adjust the credit card interest rate and limit based on the individual's credit status. Overdue records will have a negative impact on the bank's credit assessment of the individual.

3. Summary: Being overdue for 5 days on a China Merchants Bank credit card will have a negative impact on your credit report, including a drop in your credit score, damage to your credit report, and possible consequences such as an increase in interest rates or an adjustment in your credit limit.

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Extended information: The credit information system is an important credit information management platform, used to collect, save and query the credit information of individuals and enterprises. Major banks, financial institutions and rental companies will use the credit reporting system to evaluate an individual's credit status. Therefore, maintaining a good credit record is of great significance to an individual's financial activities and life.