China Merchants Bank's credit card was overdue once, but it was not in the credit report.

Hello, our credit card repayment has a three-day grace period, and it is ok to repay within three days after the due repayment date. This is not expired.

According to the regulations of the People's Bank of China, all card-issuing banks are required to upload customers' consumption and repayment records on a regular basis and cannot tamper with them. We won't make any bad comments on your usage records, but only truthfully feed back your historical usage records without any subjective judgment. If you handle the loan business in the future, the loan bank will comprehensively refer to your credit history, not only for a certain period of time, but also if you can keep a good record of consumption and repayment, your credit will continue to increase.

The Regulations on the Administration of Credit Information Industry stipulates that the retention period of personal bad information by credit information agencies is 5 years from the date of termination of bad behavior or incident; More than 5 years, should be deleted. /zwgk/2013-0129/content _ 2322231.htm Relevant departments generally give priority to recent consumption and repayment records when handling new business.

If in doubt, please add enterprise QQ customer service 4008205555 or WeChat to WeChat official account "China Merchants Bank Credit Card Center" for detailed consultation.