1. When the repayment amount is greater than or equal to the current bill repayment amount of all accounts under this user name, the system will automatically allocate and adjust according to the current bill repayment amount of each account one day after the grace period.
2. The repayment amount is greater than or equal to the minimum repayment amount of the current bill of all accounts, and the repayment amount of the current bill of the collection account has been paid off. The system will automatically allocate and adjust according to the minimum repayment amount of the current bill of each account one day after the grace period.
2. How to calculate the credit card grace period of China Everbright Bank?
1. Everbright Bank provides a three-day repayment grace period for Everbright credit card holders, and repayment before 24:00 pm on the third day after the final repayment date is deemed as timely repayment. Assuming that the final repayment date is the 20th of each month, the cardholder must pay off the bill by 24:00 on the 23rd of that month at the latest.
2. If it is returned to the credit account before 24:00 on the last day of the grace period for repayment and the account is successfully collected, it will not be considered overdue, otherwise, it will charge liquidated damages, interest and other fees (excluding the daily interest of Le Hui Gold Card and Smart Business Credit Card).
Repayments beyond the grace period will be reported to the central bank for credit information.
(1) What should I do if Everbright Credit Card is overdue?
1) Credit card holders of China Everbright Bank should take the initiative to contact the bank after it is overdue. Don't passively wait for the bank to contact, and don't deliberately avoid the bank.
2) Explain to the bank the reasons for personal overdue, inform the bank of its own difficulties, apply to the bank for deferred repayment and interest relief, and ask whether it is possible to repay by installments, so as to show the bank a strong personal willingness to repay.
3) Define the repayment plan for future repayment and wait for the bank to inform whether it agrees to negotiate repayment.
In order to ensure that the repayment amount is recorded before 24:00 on the third day, it is suggested that the cardholders of Everbright Credit Card adopt the repayment methods provided by Everbright Bank, such as online bank transfer repayment, ATM card transfer repayment, cash repayment at the counter of our business outlets, and mobile bank transfer repayment.
Third, the repayment method of Everbright Credit Card
1. use apple macbookpro to open the browser of Google chrome 91.0.4472.6438+014 and log in to personal online banking; Or download version 8.1.9 of China everbright bank app on iPhone 12 4. 1 and use the debit card of China everbright bank to repay the loan.
2. Binding credit card automatic repayment function.
3, through the counter or automatic deposit equipment for repayment. In addition to the grace period for repayment, other services of China Everbright Bank also provide tolerance service, that is, when a customer repays with a credit card, as long as the difference between the repayment amount and the bill repayment amount does not exceed 10 yuan, it is still regarded as full repayment.