According to Article 22 of the Credit Card Charter of China Everbright Bank (version 20 19):

If the credit card holder fails to repay all the payable funds before the due repayment date (inclusive), he will no longer enjoy the interest-free repayment period, and pay overdraft interest on a daily basis from the bookkeeping date of the credit card institution to the repayment date (the bookkeeping date of the installment transaction is the bookkeeping date), unless otherwise agreed between the cardholder and the credit card institution. ?

If the credit card holder fails to fully repay the minimum repayment amount, he shall pay the liquidated damages in accordance with the agreement with the card issuer. ?

Credit card overdrafts are compounded monthly, and the overdraft interest rate is approved or adjusted by the card issuer according to the cardholder's qualification, card usage and transaction type. The daily interest rate range is 3.5%-5% (annual interest rate range is12.7750%-18.2500%), and will be adjusted according to the current interest rate change of the People's Bank of China.

Extended data:

According to Article 29 of the Credit Card Charter of China Everbright Bank (version 20 19):

The cardholder shall bear the obligation of repayment, and shall not refuse to pay the money owed to the card issuer on the grounds of disputes with merchants or other third parties. Do not use credit cards for fraudulent activities such as false transactions to obtain funds, points, prizes or value-added services. If the credit card documents are incorrect or incomplete, but it is confirmed that the transaction exists and the amount is correct, the cardholder shall not refuse to pay the transaction amount. ?

Cardholders should pay attention to checking the statement. If you fail to receive the statement on time, you should check with the card issuer in time. The cardholder cannot refuse to pay the card issuer the arrears (including the corresponding fees and interest) on the grounds that he has not received the statement. ?

Credit Card Charter of China Everbright Bank and Credit Card Charter of China Everbright Bank (version 20 19)