Is it true that China Merchants Bank is overdue for 4 days and the customer service said that it will not affect the credit information?

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.

(reply time: 2065438+June 2009 10. Please refer to China Merchants Bank (official website) for the latest business changes.