As for the overdue credit card of China Everbright Bank, you can try to negotiate with the bank to reduce overdue fees or formulate a reasonable repayment plan. The following are some suggestions:

Contact the bank promptly: After discovering that your credit card is overdue, contact China Everbright Bank as soon as possible to express your sincerity and willingness to pay the debt. You can communicate through Everbright Bank’s customer service hotline, online banking or in person at the bank counter.

Explain the reasons: When communicating with the bank, explain the reasons for the overdue payment. Sometimes, external circumstances or personal reasons may lead to overdue circumstances, and an honest and detailed explanation may help the bank understand your situation.

Submit an application for reduction or exemption: Submit an application to China Everbright Bank for reduction or exemption of overdue fees. You can explain your dilemma, financial situation, or other special circumstances and ask the bank to provide you with some assistance. However, it should be noted that whether the bank agrees to waive overdue fees is determined based on your actual situation and the bank's policy, and there is no guarantee.

Develop a reasonable repayment plan: If the bank does not agree to waive or waive overdue fees, you can negotiate with the bank to develop a reasonable repayment plan and repay the overdue debt in installments. Based on your financial situation and ability, discuss with the bank to develop a feasible repayment plan to ensure that the minimum payment is paid on time each month or the debt is paid off early.

Seek professional help: If you find that negotiations with the bank are not making progress, you can seek professional credit card consulting services or consult a lawyer to learn more about possible options and obtain professional guidance.

It should be noted that China Everbright Bank may have different policies and handling methods for each specific situation. Therefore, the best practice is to contact Everbright Bank directly to inquire about their handling of overdue situations, and communicate effectively with the bank based on your actual situation.

Reference material: Chengdu Legal Assistant