China Merchants Bank sent me a short message after the deadline, saying that it would be handed over to the next review stage. Is this true?

Yes If the title of China Merchants Bank is overdue for a long time, there will be serious problems in credit reporting and it will be handed over for review. Overdue credit card means that the credit card user fails to repay the loan he used on the repayment date stipulated by the bank. If the credit card is not returned within the time limit, it may affect the personal credit information in the bank and adversely affect future loans.