First of all, if you fail to repay the loan on time, China Merchants Bank has the right to take appropriate legal measures to recover the credit card debt. If you still fail to fulfill your repayment obligations three months after the deadline, the bank may decide to sue you.
Secondly, the purpose of prosecution is to recover your arrears and your money through legal procedures. In the process of prosecution, the bank will submit relevant evidence to prove that you failed to repay the loan on time, the time and amount of overdue. The court will listen to the evidence of both parties and make a judgment according to relevant laws and regulations.
Generally speaking, three months overdue may lead to the action of China Merchants Bank. Please note, however, that each case is independent, and the specific situation may be different due to personal credit history and debt amount. The final result depends on the court's decision.
Supplementary information:
1. After the credit card of China Merchants Bank is overdue for three months, the bank will often recover it through legal channels, which may include measures such as prosecution and enforcement.
2. Personal credit records may have an adverse impact on obtaining financial services such as loans and credit cards in the future.
3. If you encounter financial difficulties, it is recommended to contact the bank as soon as possible to seek repayment negotiation or delay repayment.
I hope the above information is helpful to you. If you need more specific information, please consult relevant professional organizations or legal advisers.