A credit report will be filed if a Everbright Bank credit card is overdue for 3 days. China Everbright Bank provides cardholders with a 3-day grace period, so repaying the debt during this period can be regarded as normal repayment.

Repayment and crediting before 24:00 on the last day of the repayment grace period will not be considered overdue, otherwise liquidated damages, interest and other fees will be charged (excluding Lehui Gold Card and Smart Business Credit Card) Card type with daily interest).

Users can ask the staff to understand clearly when applying for a credit card from China Everbright Bank to avoid unnecessary trouble later.