If your China Merchants Credit Card is overdue for 5 days, your credit report will be affected. Specifically, late repayments will leave negative records on personal credit reports and have a negative impact on personal credit ratings.

Details:

1. Credit report: Credit report is an important reference for financial institutions to evaluate personal credit status. Late repayments will be recorded in credit reports and become an important basis for other financial institutions to understand personal credit risks.

2. Credit rating: Credit rating is the process of classifying and evaluating individuals based on their credit status. Late repayments will lower your credit rating, which may lead to difficulties in applying for loans, credit cards and other financial services.

3. Scope of impact: The impact of late repayment on your credit report is long-term and may last for several years. During this time, an individual's credit rating is lower and will be subject to restrictions and scrutiny by financial institutions.

Summary: A China Merchants Credit Card overdue for 5 days will have a negative impact on personal credit, including leaving bad records in credit reports and lowering personal credit ratings. This may cause difficulties for individuals in applying for loans, credit cards and other financial services, and will continue to affect them for a period of time.

Extended information: It is recommended to repay in time to avoid overdue payments and ensure that personal credit status is good. In addition, checking your credit report regularly can detect and correct erroneous information in time and maintain a good credit record.