During the grace period of China Everbright Bank’s credit card, the user chooses the minimum repayment. After the repayment is successful, it will be regarded as the user’s normal repayment. The credit card is already overdue, and the minimum repayment may not be possible at this time. If China Everbright Bank sends a text message asking the user to repay in full, then the user can only choose to repay in full. The grace period is not considered overdue, so users can make minimum repayments.

For users, the repayment date of Everbright Credit Card is actually four days. The repayment date and the grace period are three days. As long as the repayment funds are received within these four days, it will be considered as a user. Pay off your loan on time.

The following measures have been taken:

1. Consumption payments no longer enjoy interest-free repayment treatment. The card-issuing bank will calculate interest on a daily basis based on the consumption amount as the principal from the day when the consumption occurs. The daily interest rate is 0.5% and compound interest will be charged on a monthly basis. For the unpaid portion of the minimum repayment amount, a 5% late payment fee will also be charged on a monthly basis. .

2. Receive a reminder call and letter from the card-issuing bank.

3. If the credit card account is frozen by the card-issuing bank, the debt record may be fed back to the People's Bank of China's personal credit system, affecting the cardholder's personal credit record and causing the cardholder to be unable to apply for a housing mortgage loan normally. .