1. sue and report as soon as possible: you can contact the local public security organ to report to it, and explain in detail that the overdue amount of China Merchants Credit Card is more than 40,000, which is more than three months.

2. Provide relevant evidence: When reporting the case, prepare relevant evidence, such as bank statements and credit card repayment records. To support your claim.

3. Seek legal aid: If you are unfamiliar with legal procedures or unable to handle related issues, it is recommended to consult professional lawyers, seek legal aid and accept their guidance.

Summary: China Merchants Credit Card is overdue for more than 40,000 months and needs to be prosecuted and reported. Contact the local public security organ as soon as possible to report the case and prepare relevant evidence to support your claim. Seek legal aid when necessary to ensure that your rights and interests are protected.

Extended data:

Late payment of credit cards may lead to legal proceedings, including prosecution and reporting. The specific procedures and subsequent treatment will be different according to local laws and relevant regulations. Therefore, in the face of similar situations, we suggest that you consult a professional lawyer in time to obtain accurate and personalized legal advice.