Minsheng Credit Card gives the cardholder a three-day grace period. During the grace period, the bank will not upload the cardholder’s overdue record to the central bank’s personal credit system, and it will not be counted as repayment during the grace period. Overdue. During the grace period, cardholders need to proactively contact the customer service staff of Minsheng Bank’s credit cards to show that they did not overdue the card maliciously.

If the cardholder is unable to repay the loan, he or she can go to Minsheng Bank to apply for credit card installment business. Cardholders should not apply for installment business frequently, otherwise the bank will feel that their economic situation is not good, and the bank will reduce the cardholder's limit or the cardholder will not be able to apply for credit card installment business again.

During the credit card repayment process, there will be many non-subjective reasons, resulting in the credit card being unable to repay. The bank will give the cardholder a grace period of no less than three days. The grace period given by different banks is different. The grace period given by China Everbright Bank is three days, and some banks give cardholders a grace period of five or seven days.

Cardholders must not exceed the expiry date when using Everbright Credit Card. Once overdue, Everbright Bank will upload the cardholder's overdue record to the central bank's personal credit system. Cardholders having a bad credit record in their personal system will affect the use of loans and credit cards.

Cardholders can set the repayment date in the mobile phone memo to avoid forgetting the repayment date.