The main consequences of being five days overdue on your Everbright credit card are as follows:

1. Damage to your credit record: Overdue repayment will have a negative impact on your personal credit record and may lead to credit rating decline. This will adversely affect future applications for loans, credit cards, and other financial services.

2. Increased fees and interest: Overdue repayment of Everbright Credit Card will trigger additional fees such as penalty interest and late payment fees. The longer the overdue period, the higher the fees incurred.

3. Default handling: The bank may take further recovery measures, such as telephone collection, door-to-door visits or legal means to demand repayment of arrears. This may result in litigation, court judgments or enforcement proceedings and may be a drag on personal finances.

To sum up, being five days overdue on your Everbright credit card will have a negative impact on your personal credit record, increase repayment fees and interest, and may face further defaults.

Extended information:

Overdue credit card repayment is a breach of contract, and the bank has the right to take appropriate measures to recover the arrears. According to the regulations of the People's Bank of China, banks can require borrowers to repay overdue amounts by means of telephone collection, issuance of collection letters, and door-to-door visits. Within a certain time frame, the bank will conduct collection work through internal collection or outsourced collection agencies.

If the borrower refuses to repay the debt, the bank can take legal measures to file a lawsuit and enforce it through a court judgment. This can lead to property auctions, spending restrictions, and even affect personal credit records for up to five years.