If your Everbright Bank credit card is overdue for one day, interest will be calculated based on the overdue interest rate.

Details:

1. Credit card overdue interest rate: China Everbright Bank's credit card overdue interest rate is determined according to the contract. It is usually a daily interest rate, that is, interest is calculated at a certain proportion every day. The specific overdue interest rate can be found in the credit card contract, card user manual or relevant policy documents.

2. Interest calculation method: Assuming that the overdue interest rate of Everbright Bank credit card is 0.05, then the interest calculation formula for one day of overdue is: number of overdue days × overdue interest rate × overdue amount. For example, if the overdue amount is 1,000 yuan and it is overdue for one day, the calculated interest is: 1 × 0.05 × 1000 = 0.5 yuan.

3. Everbright Bank’s credit card overdue interest rates may change due to policy and product adjustments. It is recommended that cardholders communicate with the bank in a timely manner in the event of overdue interest rates to understand the latest overdue interest rate information to avoid inconveniences. necessary economic losses.

Summary:

If the Everbright Bank credit card is overdue for one day, interest will be calculated based on the overdue interest rate. The specific amount of interest is calculated based on the number of overdue days, overdue interest rate and overdue amount. Cardholders should pay attention to promptly understand and comply with the provisions on overdue interest rates in the credit card contract to avoid excessive interest charges for overdue payments.

Extended information:

In addition to calculating interest, overdue credit cards may also bring other consequences, such as affecting personal credit records, lowering credit scores, affecting loan applications, etc. Therefore, it is recommended that cardholders should plan their consumption reasonably when using credit cards to ensure timely repayment and avoid overdue payments. In addition, if overdue payment occurs, contact the bank promptly to understand the relevant policies and handling methods, and pay off the overdue amount as soon as possible.

Note:

The above are only general answers. For specific overdue interest rates on Everbright Bank credit cards, please refer to the bank's policy documents and contracts to ensure accuracy. It may vary depending on actual circumstances and specific contractual arrangements.