The billing date of the credit card of China Everbright Bank refers to the date when China Everbright Bank summarizes the accumulated outstanding consumer transaction principal, cash advance transaction principal and expenses of the cardholder. Every month, calculate the interest and the amount that the cardholder should repay. Generally, one day is randomly selected from 1, 5, 8, 15, 18, 22, 25 every month.

The due repayment date refers to the latest date when the cardholder should repay all the payable amount or the minimum repayment amount stipulated by China Everbright Bank, which is generally 20 days after the bill date. For example, if the billing date is 1, the repayment date is 2 1.

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China Everbright Bank Credit Card (hereinafter referred to as the "credit card") is a credit payment tool issued by China Everbright Bank (including the branch of China Everbright Bank, hereinafter referred to as the "card issuer") to the public, which records the relevant information of the cardholder's account, gives the cardholder a certain credit limit, allows the cardholder to spend first and then repay within the credit limit, and has the functions of consumer credit, transfer settlement, cash deposit and withdrawal, etc. ?

Fee for late payment

If the repayment amount before the due repayment date is lower than the minimum repayment amount listed in the current bill, a late fee of 5% of the unpaid part of the minimum repayment amount shall be paid, and the minimum fee shall be 15 yuan RMB, or USD 2 or EUR 2.

Calculation method of minimum repayment amount

Minimum repayment amount = 5% (65,438+00% in the first month) of the unpaid portion of general consumer transactions within the credit line+5% (65,438+00% in the first month) of the unpaid portion of cash transactions within the credit line+total unpaid portion of the carried-forward installment payment+unpaid portion of the minimum repayment amount in the previous period.

Credit Card Articles of Association of China Everbright Bank-China Everbright Bank