If the credit card of China Everbright Bank is repaid within six days, it will be recorded as overdue. Because the credit card of China Everbright Bank generally has a grace period of three days after the repayment date, if repayment within the grace period is regarded as timely repayment, it will not generate any expenses and will not be included in the credit record. However, if it is overdue for six days or the repayment amount is lower than the minimum repayment amount stipulated by the bank, it will be regarded as overdue and the interest will be 0.05%. In addition, a late fee of 5% of the unpaid minimum repayment amount will be charged.