Hello, you can call the manual customer service of China Merchants Bank to explain your overdue situation and make timely repayment. The problem is not big. If it is overdue for a long time or maliciously not paid back, it will definitely affect personal credit, and it will have an impact on future loans and personal reputation.

Need to remind you that in the process of using credit cards, there are four dates that you need to remember frequently:

1, accounting date. It is the date when the bank "accounts" your monthly credit card consumption transactions. 25 days after this date is your repayment date, which is expected to exceed 25 days.

2. trading day. Refers to the date when you actually spend money by credit card, transfer money, withdraw cash and other transactions.

3. Due repayment date. Consumers must repay the money before this date. If this period is exceeded, they will have to pay interest and other related expenses for the money owed to the bank during this period, including late fees and overdraft interest.

4. Bank bookkeeping date, that is, the date when the bank records your transaction in the account. It should be noted that the trading day in the bill refers to the day of swiping the card, but the billing date is different. It takes time for the store to send the card information to the bank, and there is usually a time difference of several days when spending abroad.