2. Detailed description:

A. Overdue repayment of credit cards will have a negative impact on personal credit information. If the cardholder of Everbright Credit Card fails to repay the loan within 5 days, the overdue record will be submitted to the personal credit information system of the People's Bank of China.

B. Personal credit information system is a database for recording personal credit status, which can be used by financial institutions to inquire and evaluate personal credit risks. Overdue records will lower the personal credit rating and adversely affect personal financial services such as applying for loans and handling credit cards.

C. For overdue records, the influence degree is related to the overdue time and times. The longer the overdue days, the more serious the impact on credit information. In addition, repeated overdue will also aggravate the negative impact on credit reporting.

3. Summary: 5 days overdue of Everbright Credit Card will affect credit reporting, and overdue records will be submitted to personal credit reporting system, which will reduce personal credit rating. The more overdue time and times, the greater the impact.