The Everbright credit card is overdue and the balance needs to be paid off as soon as possible.

①

If it is not overdue within the grace period, if there is no grace period, overdue interest and late payment fees will be calculated directly;

②

The late payment fee is 5% of the outstanding amount, and the interest is calculated based on the daily interest rate of 0.5%;

③

Call the credit card center or bank to explain the situation;

④

If you are overdue once and repay it immediately in a short period of time, it will not have any impact on your credit record;

⑤

It will have a certain impact on the application for an increase and will slightly reduce the amount. The amount of the loan;

⑥

Has a certain impact on the loan;

⑦

Overdue for more than 60 days will be recorded in the personal credit record;

⑧

If the credit is overdue for more than 90 days, it will be recorded as a bad credit report.