If the Everbright Bank credit card is overdue, the bank has the right to sue to the place of residence. If the Everbright Bank credit card is overdue, the consumption money will no longer enjoy the interest-free repayment treatment. The bank will calculate it from the accounting date, based on the consumption amount. The interest is calculated on a daily basis, with a daily interest rate of 0.5/10,000, and compound interest is calculated on a monthly basis. For the unpaid portion of the minimum payment, a late payment fee of 5% will be charged on a monthly basis. If the payment is overdue for a long time, the bank will sue the bank and freeze the credit card account. The debt record may be fed back to the personal credit reporting system of the People's Bank of China, affecting the cardholder's personal credit record and causing the cardholder to be unable to apply for a loan normally. Therefore, when using a credit card, everyone must spend rationally to avoid overdue payments.

1. Overdue collection methods for bank credit cards

1. SMS collection: Mainly aimed at early cardholders’ overdue repayment behavior, which is generally 7 to 15 days overdue. SMS collection mainly starts Reminder function.

2. Telephone collection: Mainly for overdue behavior that exceeds 30 days and exceeds one billing period, telephone reminders are made for repayment.

3. Door-to-door collection: Mainly for overdue payments of more than 90 days, the bank will arrange collection personnel to visit the cardholder's residence or work address to collect repayment.

4. Court prosecution: Mainly for cases that are overdue for more than six months, the bank will apply to the court and require the cardholder to sue for repayment.

5. Outsourced collection: Mainly for overdue funds of more than one year, the bank will package the overdue funds and give them at a discount to an outsourced collection company, which will be responsible for collecting overdue debts.

2. Late payment fees for bank credit cards

1. Late payment fees are calculated based on 5% of the unpaid portion of the minimum repayment amount, with a minimum charge of RMB 10 or US$1;

2. At the same time, the bank will also charge an interest of 0.05% per day on the entire bill;

3. In addition to late payment fees and interest, overdue credit cards will also affect credit;

4. If you are overdue within a month, it will be counted as overdue once. As long as you are overdue, it will be difficult to increase the limit;

5. If you are overdue 3 times in a row or 6 times in total, you will have a bad credit record. In the future, loans, It will be difficult to apply for a credit card;

6. If the credit card is overdue for a certain amount and time, the bank will freeze the credit card.