The consumption model of China Everbright Bank Smart Business Credit Card is as follows:

Customers applying for China Everbright Bank Smart Business Credit Card can choose between "daily billing" and "monthly billing" Freely choose the way of consumption. Billed on a daily basis, that is, borrowing and lending at any time and repaying at any time, customers can enjoy consumer credit services for up to 60 days. For customer overdraft transactions, interest will be charged at a daily interest rate of 0.5% from the transaction date.

There is no interest-free repayment period and no minimum payment amount. Monthly billing means that all consumer transactions of the customer are automatically amortized, and the customer repays according to the agreed number of periods. Cardholders can choose from a variety of periods from 1 to 12. The bank will charge customers corresponding proportions of handling fees according to different periods. There is no interest and no minimum repayment amount.

The repayment model of Everbright Bank’s smart business credit card is as follows:

The smart business credit card also provides customers with personalized repayment methods. Customers can flexibly choose repayment combinations according to their own needs. . In terms of principal selection, the bank's credit card provides three options: equal principal amortization, non-equal principal amortization, and no need to repay the principal in the first installment; in terms of handling fees, it provides the option of one-time payment for the first installment and periodic payment.

Extended information:

Credit card application conditions are as follows

1. All Chinese citizens with full capacity for civil conduct, legal and stable income, and good credit standing, Foreigners and compatriots from Hong Kong, Macao and Taiwan who permanently reside in China can apply for a personal credit card master card from the card issuer with their valid documents. Note: To apply for a card, you need to attach a work certificate, and other conditions include social security, good companies such as government agencies, vehicles, houses, etc. You can contact the specific phone number

2. Main Card Holder The primary cardholder and the secondary cardholder use the same credit limit; the primary cardholder can set the usage limit of the secondary card within the credit limit; all transaction amounts and corresponding interest and fees of the secondary card will be credited to the primary card Account, the main cardholder is fully responsible for repaying the debts incurred under the main card and supplementary card.

3. Any enterprise, administrative institution, social group, other economic organization authorized by a legal person, etc. that opens a basic account at a financial institution in China, with independent legal person status, can open an account with the certificate issued by the People's Bank of China. Please submit license and other information to the card issuer to apply for a unit card.

If you apply for a foreign currency unit card, you must also have a stable source of foreign exchange and an account that can legally control its foreign exchange. Each unit can apply for several unit cards, and its cardholder qualifications shall be designated or revoked in writing by the legal representative of the applicant unit or its authorized agent. The applicant unit shall bear all debts incurred by the unit card.

4. When applying for a credit card, the applicant should fill in the application form and the authentic materials required by the card issuer correctly, completely and truthfully according to the card issuer's requirements, and sign an application contract with the card issuer. The card issuer decides whether to approve the applicant's application based on the applicant's application and credit status, whether to require the applicant to provide guarantee and the method of guarantee, and determines the credit limit.

5. The methods of guarantee provided by credit card applicants include guarantee, mortgage and pledge. The scope of the guarantee covers all outstanding debts incurred under the cardholder's credit card, and a corresponding guarantee contract should be signed for the guarantee.

6. Everbright Bank credit card issuer provides cardholders with inquiry passwords and transaction passwords through designated channels.

7. After receiving the credit card, the cardholder should immediately sign the same signature as on the credit card application form in the signature column on the back of the credit card, and use the same signature when making transactions, otherwise, it will result in The cardholder is responsible for any losses.

Reference materials: Baidu Encyclopedia_China Everbright Bank Credit Card