detailed description:

1. The overdue credit card of China Everbright Bank will have a negative impact on personal credit records. Credit record is one of the important bases to measure an individual's credit status, and banks and other financial institutions often refer to this record to evaluate an individual's repayment ability and credit level.

2. when a person's credit record is overdue, it may cause other financial institutions to worry about their credit status. In the process of student loan renewal application, banks usually review the applicant's credit record to determine his repayment ability and credit reliability.

3. The overdue situation may be regarded as a bad signal, which makes the bank question the approval of the loan renewal application. The bank may worry that the lender will not be able to repay the loan on time, thus affecting the approval probability of the student loan renewal.

4. Therefore, the 4-day overdue credit card of China Everbright Bank may have a certain impact on the renewal of student loans, which may increase the risk of rejection of loan renewal applications.

conclusion: the 4-day overdue credit card of China Everbright Bank may have an impact on the renewal of student loans, because the overdue situation will affect the personal credit record, and the bank will refer to the credit record to evaluate the repayment ability and credit reliability of the applicant when approving the renewal application.

Extended information: According to the relevant laws and regulations of China and the policies of financial institutions, personal credit records play an important role in the application and approval of financial services such as loans and student loans. Paying off credit card arrears in time to avoid overdue is one of the important ways to maintain your good credit record. It is suggested to contact China Everbright Bank in time to learn about specific policies and measures to avoid unnecessary risks.