China Merchants Bank owed RMB 65,438+0,000 on its credit card, and negotiated with lending institutions for four years. Because the credit card of China Merchants Bank owes RMB 1 000, and it is really unable to repay after four years overdue, it should negotiate with the lending institution to extend the repayment period or return it in installments. China Merchants Bank (1987) was established in Shekou, Shenzhen. It is the first joint-stock commercial bank wholly owned by an enterprise as a legal person in China and the first pilot bank to promote banking reform from outside the system.