Everbright credit card holders can negotiate repayment after the overdue period, and the longest interest-free repayment can be divided into 60 installments after successful negotiation. Before the deadline, you can negotiate with the bank in stages, and you can reach a stage with the bank through debt restructuring. Installment repayment is applied by the user before the deadline. Everbright Bank credit card holders can choose to repay by installments after spending their cards.

If the repayment cannot be made on time due to unemployment, illness, etc., the cardholder needs to negotiate with the bank to repay by installments without the ability to repay in one lump sum. It is best for cardholders to communicate with China Everbright Bank before the repayment period, state their financial situation, and then apply for or negotiate repayment business.

Overdue will not only affect personal credit information, but also find ways to add penalty interest. If you have the strength to repay, you should still repay in full and on time, so as not to affect your subsequent lending business. If it is unintentional overdue repayment, it needs to be repaid as soon as possible after discovery, and it is best for credit card holders to repay in full.

Generally speaking, after Everbright Credit Card is overdue, the cardholder can apply to Everbright Bank for installment repayment. If users know that they are overdue before the deadline, the sooner they contact China Everbright Bank, the better. If the cardholder negotiates overdue repayment, the final negotiation result depends on whether the bank agrees.