If you pay off your Everbright Bank credit card two days late, you will generally be subject to a credit report.

Details are as follows:

1. Late repayment of bank credit card:

If the repayment is not made within two days after the repayment date of Everbright Bank credit card , will usually be considered late repayment.

2. Credit record:

Credit record is a record of an individual’s credit behavior and is mainly used to evaluate an individual’s credit status. Late repayments are considered bad credit behavior and may appear on your credit report.

3. Credit bureau:

China Everbright Bank will submit repayment records to the credit bureau in China to maintain the social credit system and financial security. These credit reporting agencies include the Credit Reporting Center of the People's Bank of China and other legally operating credit reporting agencies.

Summary:

If you repay your Everbright Bank credit card two days late, corresponding records will generally be left in your personal credit report, which may have a certain impact on your personal credit evaluation. negative impact.

Extended information:

Personal credit reports are collected, organized and released by the Credit Reference Center of the People's Bank of China and other legally operated credit reporting agencies. When evaluating an individual's credit status, in addition to considering late repayment records, other factors will also be considered, such as credit card overdue records, loan repayment status, credit limit utilization, etc. Therefore, just because a payment is two days late will not necessarily have a serious negative impact on an individual's credit evaluation, but it is still a bad credit behavior, and it is recommended to repay on time as much as possible to maintain a good credit status.