1. Can Everbright Bank defer it to the next bill?

Ebright Bank's credit card can be deferred for 3 days, which means that it can be paid off within 72 hours after the final payment date, and it is not considered overdue.

2. At what time is the Everbright Bank home loan usually deducted? Should I prepare it first to avoid missing the time and affecting my credit report?

Repaying a loan from China Everbright Bank one day late will not affect your credit score. Credit card grace periods are generally 2 to 3 days. According to bank regulations, once the cardholder fails to repay the corresponding amount after the final repayment period, the cardholder needs to pay corresponding interest and late fees, and may be entered into a bad credit record by the bank.

Extended information: Failure to repay when due may not only result in legal consequences, but also bear high penalty interest. The most important thing is that it will form a bad credit record, which will have a negative impact on future work and life. Consequence 1 of overdue credit card repayment: Bearing high penalty interest. After a credit card defaults, the penalty fees usually involved are recurring interest fees and late payment fees. Revolving credit is essentially a small, unsecured loan that accrues interest on a daily basis. If the full amount is not repaid on the final payment date, revolving credit interest will accrue on the next statement, and it will start from the date the consumption is recorded. Calculate interest. Consequence 2 of overdue credit card repayment: legal credit card

3. What should I do if my loan extension at China Everbright Bank exceeds the deduction time?

Deductions will be made at 8pm and 10am. Don't worry. It won't be lost. It won't affect you either. After all, system accounting is slow.

4. What to do if the Everbright Bank mortgage is overdue

Find a way to repay the loan as soon as possible, or negotiate with the bank for repayment in installments. The consequences of an overdue mortgage loan from Everbright Bank are still very serious, and there will be the following consequences: 1. Certain penalty interest and late payment fees will occur. If the mortgage loan is overdue, the bank will remind the borrower to repay via phone call or text message. Late repayment will incur penalty interest. Different lending banks charge different penalty rates, which basically add 30% to 50% to the original loan interest rate. Generally speaking, the bank will give you 7 days to make up the outstanding balance. If all the funds that should be repaid can be made up within 7 days, then there will be no late payment fees. However, if it exceeds 7 days, the bank will charge penalty interest and late payment fees. 2. Go to the credit reporting system. China Everbright Bank will upload your overdue records to the credit reporting system. Bad records will appear in the personal credit reporting system, which will affect your loan business in other financial institutions; 3. If your If the circumstances are serious, China Everbright Bank will take action against you and enforce the law (such as withholding deposits, auctioning collateral, etc.) to repay the bank's loan losses. 4. Once your personal credit record is bad and your mortgage is overdue, whether it is a commercial loan or a provident fund loan, the lending bank will be able to see your overdue repayment record. For banks that are more strict, even if it is only one day overdue, the bank will enter the overdue information into the central bank's credit reporting system. Once the overdue record is entered into the credit reporting system, it will have a serious impact on future applications for credit cards or loans, even if it can be obtained. When you get a loan, the loan amount will also be reduced a lot. 5. The risk of seizing mortgaged properties. Banks generally set default clauses in mortgage contracts. If three consecutive or cumulative six overdue payments are made, the borrower will be required to repay all principal and interest of the loan at once. If the home buyer fails to repay the mortgage loan for more than 3 months, the bank will file a lawsuit against the home buyer in accordance with the provisions of the loan contract and guarantee contract. Measures such as property preservation will be taken, deposits in all bank accounts of lenders and guarantors will be frozen, and mortgaged and pledged properties will be seized. After the judgment is issued, enforcement will be carried out in accordance with the law (such as withholding deposits, auctioning collateral, etc.) to repay the bank's loan losses. Specifically, it includes: loan principal, loan interest, overdue interest and penalty interest, all resulting litigation costs and related costs incurred when disposing of the collateral (pledge) and realizing it. This also means that the home buyer may have his or her house seized by the bank and must pay corresponding interest, resulting in a loss of both people and money. If you are unfortunate enough to be included in the people's blacklist of dishonest persons subject to enforcement, then being overdue at China Everbright Bank will affect your normal life. You will not be able to fly or take the high-speed rail, and you will even be restricted from going abroad. Therefore, it is recommended to pay off the loan as soon as possible instead of delaying it for longer. The longer you delay, the more serious the consequences will be.