What will happen if you receive an early warning reminder from Everbright?

Everbright Credit Card received an early warning message and refused to repay your loan by installments, indicating that the bank has controlled your risk and cannot handle the loan by installments for the time being.

1. Several situations of risk control of China Everbright Bank;

1, the first place is the cardholder who handles the credit card through the intermediary. Generally, as long as the bank suspects fraud, it will be directly banned.

2. Sudden mass consumption; Large consumption in different places;

3. Conduct credit card transactions at illogical time points;

4. Excessive use of Alipay for payment in a short time;

5. The credit card has been empty for a long time;

6. overdue;

7, in a short period of time, frequent consumption in different places.

8. The characteristics of cash withdrawal are too obvious.

2. What should I do if the credit card of Everbright Bank is overdue?

1. Repay according to the minimum amount.

If you can't repay in full, I suggest you apply for the minimum repayment amount before the credit card repayment date. Of course, credit cards have a minimum repayment amount, but this repayment is to ensure that you will not be sued, and the interest will still be paid as usual. The interest rate is scary. Suppose the daily interest rate is 0.5 ‰, which is equivalent to the annual interest rate 18%, which is three times higher than that of ordinary commercial loans with an annual interest rate of about 6%. Therefore, you should try to use your credit card in full and on time.

2. Repay within the credit card grace period.

People from China Everbright Bank suggest that citizens should contact the credit card center of the issuing bank as soon as possible to explain the reasons, ask the minimum requirements of China Everbright Bank in terms of repayment grace period and repayment amount, and agree on the repayment period with China Everbright Bank to strive for "compliant" repayment to avoid bad credit records and high interest due to arrears.

At present, customers of China Bank, China Merchants Bank, China Everbright Bank and China Guangfa Bank have a "grace period" of up to three days from the due repayment date of their credit cards. If repayment is made within this period, it will still be regarded as repayment on schedule by China Everbright Bank.

3. Don't cancel the card.

If the credit card of China Everbright Bank is overdue, you must not cancel the credit card immediately after full repayment, but insist on using the card for more than two years after full repayment, and ensure that the credit is good during the use of the card, so that the overdue record of the credit card can be deleted from the credit information system by rolling records.