Under normal circumstances, the penalty interest charged by the bank cannot be recovered.

China Everbright Bank’s credit card regulations also clearly stipulate that when the cardholder’s repayment amount is less than the minimum repayment amount before the due payment date (inclusive), he must report to the card issuer in accordance with regulations. Pay corresponding liquidated damages. Therefore, it is normal for Everbright Credit Card to be required to pay penalty interest due to overdue payment, and this penalty interest cannot be recovered.

However, if you apply for exemption from the bank, it can be reduced

Excessive interest, liquidated damages, penalty interest, etc. that exceed the red line will not be supported. You can also file a complaint and get a refund. of interest.

The card issuing bank failed to fulfill its obligations! If it is due to the bank's fault, you can appeal.

Liquidated damages arising from special circumstances. For example: accidents, theft. You can also appeal and get it returned.