The Notice on Printing and Distributing the Measures for the Administration of Credit Card Business has corresponding provisions:

Article 18 The longest overdraft period of a credit card is 60 days. Credit card overdraft interest shall be charged at 0.5 ‰ of daily interest within 15 days from the date of signing the contract or the date of bank entry, and at 0. 10 ‰ of daily interest after 15 days.

If it exceeds 30 days or the overdraft amount exceeds the prescribed limit, it shall be calculated at the daily interest rate of 15/10000. The overdraft interest is not divided into sections, and the interest is calculated according to the highest interest rate grade or the highest overdraft amount.

Extended data

China Everbright Bank credit card has the following characteristics:

1. password consumption, safe and reliable.

Sunshine Credit Card's unique password consumption function makes your credit card more secure and reliable.

2. Reward customers and keep them exciting.

Sunshine Credit Card has a special incentive plan to enrich customers, and a variety of incentives can make your every expenditure get a return and make your life more exciting. Detailed terms will be announced soon, so stay tuned.

3. Two coins for one card, universal.

Sunshine credit card is a dual-currency credit card. It can be used by special merchants who accept VISA card business in more than 240 countries and regions around the world, and withdraw local currency from more than 840 thousand ATMs with VISA logo around the world.

4. RMB settlement of overseas credit cards.

Sunshine Credit Card has opened RMB settlement services for credit cards in Hong Kong, Macau, Singapore, South Korea, Thailand and other places, and transactions conducted at merchants or ATMs with "UnionPay" logo can be settled and repaid in RMB.

For foreign currency transactions, Everbright Bank will settle at the exchange rate of the day. To withdraw cash from an ATM with the "UnionPay" logo posted overseas, you need to pay a withdrawal fee of RMB 1% of the transaction amount, with a minimum of RMB 15.

5. Overseas foreign currency consumption and domestic RMB repayment.

For the foreign currency consumption of Sunshine Credit Card abroad, you can apply for repayment of foreign exchange in RMB or directly in US dollars by telephone, thus avoiding the trouble of insufficient foreign exchange and exchange of foreign exchange.

6. It is convenient to withdraw cash at home and abroad.

You can withdraw RMB cash from the counters of China Everbright Bank, ATMs or ATMs with the logo of UnionPay in other banks, or you can withdraw local currency from ATMs or bank counters with the logo of VISA abroad.

Baidu Encyclopedia-China Everbright Bank Credit Card

Baidu Encyclopedia-Notice on Printing and Distributing the Measures for the Administration of Credit Card Business