will affect. The 4-day overdue repayment of Everbright Bank will affect the normal use of credit cards and credit cards. Under normal circumstances, credit card accounts enjoy a 3-day repayment grace period for each bill, and there is no need to apply separately. It will not be overdue before 24 o'clock on the last day of the grace period. If it is paid in full, some consumption will not generate interest. For example, the repayment date is 2, and the deadline of repayment grace period is 24: on 23rd. If it is returned to the credit account before 24: on the third day after the repayment date and successfully received, it will not be overdue, and the fully repaid consumption part can still enjoy interest-free.

does everbright have to go to a branch to sign an agreement to negotiate repayment?

yes. Everbright credit card holders can negotiate repayment after the deadline. After the negotiation is successful, the maximum interest-free period is 6. You can negotiate with the bank for installment payment before maturity, or you can reach an installment payment with the bank through debt restructuring. Repayment by installment means that users apply before the deadline, and credit card holders of China Everbright Bank can choose to repay by installment after credit card consumption.