1. First of all, we need to know the annual interest rate of China Everbright Bank's credit card. Generally speaking, the annual interest rate of China Everbright Bank's credit card is around 20%, but the specific interest rate may be different due to different personal credit ratings.
2. Calculate interest according to the number of days overdue. Assume that the overdue interest of China Everbright Bank's credit card is calculated according to the annual interest rate 1‰, that is, the interest rate is 0. 1%.
3. Then, if the credit card is overdue for three days, the calculation formula of interest is: interest = overdue days × daily interest rate × amount owed.
To sum up, if the credit card of China Everbright Bank is overdue for three days, the interest will be calculated according to the annual interest rate and the number of overdue days. The interest calculation formula is: interest = overdue days × daily interest rate × amount owed.
Extended data:
Credit card repayment is overdue, in addition to overdue interest, there may be late fees and other expenses. Late payment fee refers to the expenses incurred due to overdue repayment, which is generally calculated according to a certain proportion (such as 2% of the amount owed). The specific late payment fee rate may vary according to bank regulations and credit card types. Therefore, after the repayment is overdue, in addition to interest, we should also pay attention to the possible late fees and other expenses.
In addition, in order to avoid the cost of overdue repayment, it is suggested to arrange repayment in advance before the credit card repayment date to ensure that the arrears are paid off on time. If it is impossible to repay the loan on time under special circumstances, it is suggested to contact China Everbright Bank in time, explain the reasons, and discuss with the bank as much as possible the solution of delaying repayment.
To sum up, if the credit card of China Everbright Bank is overdue for three days, the interest will be calculated according to the annual interest rate and the number of overdue days. The specific calculation method is interest = overdue days × daily interest rate × amount owed. In addition, you should also pay attention to other expenses such as late payment fees that may occur. In order to avoid the cost of overdue repayment, it is recommended to arrange repayment in advance and actively communicate with the bank when encountering difficulties.