It is suggested to study the insurance contract carefully first to see if there is a clause similar to "the cardholder fails to call to surrender at the expiration of the contract, and the insurance will be automatically renewed". If so, I'm afraid I still have to fulfill my repayment obligations. If there is no such clause, you can call the Credit Card Center of China Merchants Bank and ask to act according to the contract, cancel the previous deduction and cancel the bad records that may have been generated (overdue). Choose to call during working hours on weekdays (not during night shifts and night shifts), and be tough. Don't talk to the customer service who answers the phone as soon as you come up. They belong to the front line, and the authority to appease you at most is relatively small, but it is difficult to receive a promised reply after registration. You'd better go directly to the group leader or just say that you want to complain.

If it can't be solved only through customer service, you can post on the forum "One Netcom-Community" of official website Merchants Bank, which is managed by the head office. If there is a complaint, it will be transferred to the credit card center within a limited time to make the card center pay more attention.

If it still can't be solved, either find the media exposure, because China Merchants Bank still pays more attention to image and credibility; Either go to a law firm to sue and take legal channels. As long as you are wrong, a good result is inevitable.

-in short, safeguarding rights!