1. First of all, Everbright Bank credit card holders should actively respond to the bank’s reminders after overdue payment, and do not let the bank find people, and do not deliberately avoid the bank;

2. Credit card After overdue, you should contact China Everbright Bank as soon as possible, explain to the bank the reasons for personal overdue, apply for deferred repayment and interest discounts from the bank, strive for installment repayment as much as possible, and show the bank that your personal willingness to repay is good;

3. Show the bank that you have a strong willingness to repay and make a clear plan for future repayment.

How to calculate overdue interest and late payment fees for China Everbright Bank Credit Card

China Everbright Bank Credit Card stipulates that when the overdraft principal does not exceed 15 yuan (2 US dollars, 2 euros), it will be charged based on the overdraft principal; overdraft When the principal exceeds 15 yuan, the late payment fee is 5% of the minimum unpaid portion, with a minimum charge of 15 yuan, or 2 U.S. dollars, or 2 euros. The calculation method of late payment penalty when the overdraft principal exceeds 15 yuan:

Late payment penalty = (minimum repayment amount-amount repaid by the due payment date) × 5.

Assume that the user spends 10,000 yuan with an Everbright Bank credit card, and the minimum repayment amount is 1,000 yuan. If there is no repayment before the due payment date, the late payment fee charged by the Everbright Credit Card is: 1,000*5=50 yuan .

In addition, overdue credit cards will also generate negative records. Once negative records are generated, they will be retained in the credit report for at least 2 years. In other words, if your credit card has bad credit within two years, do not cancel the credit card in a hurry. You should wait until the credit card has been used for two years before processing it.