All major banks have credit card processing services, but everyone generally uses the credit card of China Everbright Bank. This bank mainly promotes credit card business, and there are more benefits when applying for Everbright Credit Card. The key is that overdue repayment for one day will not affect your credit score. As long as you repay within 3 days of the due date, it will not affect your personal credit score. This is also one of the reasons why many people apply for Everbright Bank credit cards.

1. The application process of Everbright Credit Card

Now you don’t need to go to the branch to apply for Everbright Credit Card. You can directly enter the official website of Everbright Bank to apply for the credit card. 1. Log in to the Everbright Bank credit card website and click on card application; 2. Choose the card type that suits you, there are only some card types available for online application; 3. After clicking apply, you can fill in your personal information, which must be filled in truthfully to avoid any influence. Approval pass rate; 4. Submit directly after confirming that the information is correct. This is the process of applying for Everbright Credit Card, it is very simple.

2. Will the credit score be affected if the Everbright credit card is overdue for several days?

No matter which bank's credit card you use, whether overdue repayment will affect your personal credit report mainly depends on how many days you are overdue. Under normal circumstances, all major banks will relax the repayment date. Currently, the relaxation period of many banks is 3 days, including China Everbright Bank, which is also 3 days, which means that it starts from the expiration date. If the repayer makes repayment within these 3 days, it will not be considered overdue. On the contrary, it will be considered overdue if it exceeds these 3 days, which will affect your credit score. It will be more difficult to borrow money with a gift loan later.

3. What does China Everbright Bank’s “tolerance service” look like?

China Everbright Bank's "Tolerance Service" means that the cardholder repays the full amount within the current period, and after the due repayment date, there is still a small outstanding balance in the account that is less than or equal to 100, China Everbright Bank defaults to the cardholder to repay in full. Then this small part of the balance will be automatically transferred to the next bill for you. This is a "tolerance service" in China Everbright Bank. Sometimes many users are short of funds, but this service can still play a role.

Whether you are applying for a credit card from China Everbright Bank or a credit card from another bank, you must make sure you borrow and repay, so that it is not difficult to borrow again, so as to avoid having your credit score affected.