Also. Overdue payments will bring about a huge financial burden and credit crisis, and are illegal. Failure to repay overdue payments will result in legal liability. If the borrower does not repay, the borrower will have to pay liquidated damages or penalty interest to the lender. Therefore, overdue China Merchants Credit Card For 7 months, no one has called to urge me to return it. Overdue refers to failure to perform corresponding obligations or responsibilities beyond the agreed time, such as failure to repay or pay off the loan within the agreed repayment period, failure to pay taxes in full before the specified deadline, etc.