If a CMB credit card is overdue for three months, there will be the following consequences:

1. Overdue record: CMB will report your credit card overdue record to the credit reporting agency, which will have a negative impact on your credit record. Have a negative impact and affect your possibility of applying for loans, credit cards and other financial services in the future.

2. Penalty interest and late payment fees: In addition to the overdue principal, you also need to bear the penalty interest and late payment fees charged by China Merchants Bank. These additional costs may gradually accumulate, increasing your repayment pressure.

3. Telephone collection and legal disputes: When you repay overdue, China Merchants Bank’s collection department will continuously contact you through phone calls, text messages and other channels to ask you to repay. If you still can't repay what you owe, you may be at risk of legal action and legal disputes.

How to communicate with customer service:

1. Stay calm: When communicating with customer service, it is very important to stay calm and rational, and do not vent emotionally or argue.

2. Explain the difficult situation: Describe your current financial difficulties to customer service in detail, explain why you are unable to repay the debt in one go, and hope to get the opportunity to pay in installments.

3. Reasonable repayment plan: Propose a reasonable repayment plan to customer service, propose an affordable monthly repayment amount based on your financial situation, and ask customer service to assist you in formulating installment repayments. plan.

Summary:

The consequences of being overdue on a CMB credit card for three months will be serious, including overdue records, penalty interest and late fees, as well as possible phone collection calls and legal disputes. When communicating with customer service, stay calm, explain your difficult situation, and propose a reasonable repayment plan.

Extended information:

Before communicating with customer service, you can evaluate your financial situation and carefully calculate the monthly repayment amount you can afford. In addition, you can also learn about relevant information about credit card repayment, installment payment, etc. on the official website of China Merchants Bank or mobile banking, so that you can make your requests more rationally when communicating with customer service.

Please note that everyone’s situation is different. It is best to take appropriate actions based on your actual situation and contact CMB customer service in a timely manner to get specific suggestions and solutions for your personal situation.