The phone number of China Merchants Bank starts with 95, and the dunning should be a collection company that cooperates with China Merchants Bank. In addition, if the bank is in loans overdue, it will inform you to repay in advance. If you don't come back by the specified date, the small one will be handed over to a third-party collection company, and the big one will be collected directly at home. If not, sue directly.

1 Late payment fees will be generated when the credit card is overdue, that is, if the cardholder repays before the due repayment date or the repayment amount is lower than the minimum repayment amount, he shall pay the card issuer according to the regulations.

2 It will generate overdue interest. If the cardholder's repayment is overdue, then all the expenses of the cardholder last month will no longer enjoy the interest-free treatment of the bank, and the revolving daily interest rate is as high as five ten thousandths.

3. Have a bad credit record.