After the Everbright Bank credit card expires, if your financial ability is limited, you can negotiate with China Everbright Bank for repayment:

1. If the cardholder is unemployed or ill. If you are unable to repay the loan on time, cardholders are advised to proactively communicate with China Everbright Bank before the repayment period, state their financial situation, declare that they do not owe money maliciously, and apply for delayed payment and interest discounts.

2. If Everbright Bank recognizes your proactive performance and previous good credit record, it will often agree to defer repayment. At this time, cardholders can take the initiative to negotiate with China Everbright Bank a repayment plan acceptable to both parties, such as extension period, interest discount, monthly repayment amount, etc.

3. If the payment is overdue unintentionally, repay it as soon as possible after discovering it, preferably in full. Then call the bank's credit card center to state that the debt is not malicious.

4. Credit card repayment information will generally be kept for 24 months. After a credit card is overdue for repayment, it is best not to cancel the credit card immediately after paying off the outstanding balance, but to insist on using the card for two more years. For more than 10 years, and if you maintain good credit during the period, you can use rolling records to remove bad records from the credit reporting system.

With the development of the market economy, enterprises, companies or individuals have an increasing demand for loans, but there are still many things about loans that are unclear to us ordinary people. Here I will summarize some basic financial knowledge about loans for everyone, so that everyone can learn from each other.

Loans seem to be a very simple matter, just borrow money from others, and then pay back the money plus interest. In fact, lending is a very professional and technical job. If you don’t know some financial knowledge, it is easy to get a loan that is not what you want. In order to help everyone better learn and understand loan-related knowledge, we have summarized ten points of basic loan knowledge.

1. What are the common forms of loans, and what are their characteristics and advantages?

Loan forms are divided into two categories: "credit loan and mortgage loan".

2. What is the difference between "lender" and "borrower"?

In lending behavior, most people do not know what a "lender" and a "borrower" are.

Lender: refers to a person or financial institution that uses credit funds or own funds to issue loans to borrowers in lending activities, generally refers to commercial banks and central banks.

·Borrower: refers to an enterprise, institution or individual that borrows monetary funds from a lender by using its own credit or property as a guarantee or a third party as a guarantee in credit activities.

To put it simply, when you borrow money from a bank, you are the borrower and the bank is the lender.