Will China Merchants Bank's credit card overdue for 4 days affect personal credit information?

The overdue credit card of China Merchants Bank for 4 days will affect personal credit information, and overdue behavior will be recorded in personal credit information. But there is still a way to save it if it is handled in time.

If it is a personal loan handled by China Merchants Bank, it is impossible to apply for an extension of the deduction time. If the "deduction date" fails to repay in full and on time, an overdue record will be generated and uniformly recorded by the central bank to the credit information system.

As for the credit card of China Merchants Bank, China Merchants Bank provides credit card customers with a 3-day grace period for repayment free of charge (for example, the 5th of each month is the final repayment date, and the repayment before 24: 00 on the 8th of that month will not affect personal credit, and there is no need to apply for services voluntarily). If you fail to pay off more than the minimum repayment amount of the current bill within the grace period, you will be charged liquidated damages and interest, and your personal credit will be affected.

If the user's CMB credit card is overdue for four days, the arrears in the card should be returned as soon as possible. In order to avoid the growing influence on yourself over time. Therefore, after the overdue occurs, users should pay enough attention.

China Merchants Bank Credit Card has a time-sensitive service with a service period of 3 days, that is, the user repays within 3 days after the repayment date, and the bank will not regard it as overdue. However, four days overdue has exceeded the bank's time service. Therefore, this situation will produce overdue records, which may have a certain impact on personal credit.

Of course, if it is only 4 days overdue, users may still recover it. Because at this time, although the bank has overdue records, the bank may not have uploaded it to the personal credit information system of the central bank. Generally speaking, banks will upload bad records generated by users on a regular basis. Therefore, after the credit card is overdue for 4 days, the user should call the customer service phone of the bank as soon as possible, explain the reason for the overdue, explain that it is not malicious arrears, and see if there is room for recovery.

Tips for preventing overdue credit cards;

1. Set automatic repayment. Users can set up automatic repayment on China Merchants Bank's app or online banking. In this way, as long as there is enough balance in the savings card to be repaid, the bank will automatically withdraw it on the repayment date, which is very convenient.

2. Set repayment reminder. If the user has not opened China Merchants Bank's mobile online banking or online banking, you can set repayment reminders on the mobile calendar or some third-party payment platforms. In this way, we won't forget to pay back the money.