Users who use the credit card of China Everbright Bank know that users need to pay back on time after spending by credit card. If they can't repay on time, there will be overdue records. For cardholders, overdue credit cards are something that every user doesn't want to see, because overdue credit will not only have a negative impact on cardholders' personal credit, but banks will also impose penalty interest on users. If it is overdue for a long time, it will be stopped by the bank and even sued by the bank.
At present, China Everbright Bank provides credit card users with a three-day repayment grace period. If the user repays on the third day after the repayment date, then Everbright Bank will be counted as the user's repayment on time, which has no impact on the credit of the cardholder and the user does not need to pay the overdue fee. If the user fails to repay the loan within the repayment grace period, the bank will regard the user as overdue, upload the overdue record to the credit information system and collect the overdue fee. It does not mean that the bank will stop the card as long as the user has overdue behavior. Generally speaking, the bank will stop the card only if it is overdue for many times or for a long time. Usually, the credit card users of China Everbright Bank are overdue for two months, so the bank will freeze the cardholders' credit cards. If the overdue time reaches six months, the user will be pulled into the credit blacklist.