You can apply to the bank for the installment of the bill, that is, the amount on the bill will be repaid in installments, which may alleviate some economic pressure. Never ignore bank dunning. The effect of negotiation and communication is better than toughness.

1. If Everbright Credit Card has not repaid by the repayment date, you can call the banking service hotline and ask whether the bank has a grace period for repayment. Under normal circumstances, the bank will give the repayment a grace period of at least 3 days. For example, 25th is the repayment date, and the bank will automatically extend the repayment to 28th at the latest.

2. If you can't repay after the grace period (even the minimum repayment amount is not paid), the bank will charge a late fee, which is 5% of the unpaid part of your minimum repayment amount, including the interest of five ten thousandths per day. If it is not returned for more than 3 months (3 orders), it will be blacklisted by the bank, and in severe cases, the bank will sue for debt collection.

3. Overdue credit card repayment will not only charge more, but also affect your personal credit card record, which will have an impact on your future car loan, mortgage and card handling. It is recommended to repay as soon as possible.