Customers who bid for Everbright Bank's smart business credit card can freely choose their consumption methods through "daily statement" and "monthly statement". Daily billing means that customers can enjoy consumer credit services for up to 60 days. For customer overdraft transactions, interest will be charged at the daily interest rate of 0.5 ‰ from the trading day.

There is no interest-free repayment period and no minimum repayment amount. Monthly billing means that all customers' consumption transactions are automatically phased, and customers repay according to the agreed number of installments. The cardholder can choose from 1 to 12, and the bank will charge the customer a corresponding percentage of handling fee according to different periods, with no interest and no minimum repayment amount.

Everbright Bank's smart business credit card repayment method is as follows:

Smart business credit cards also provide customers with personalized repayment methods, and customers can flexibly choose repayment combinations according to their own needs. In the choice of principal, the bank's credit card provides three choices: average capital, equal non-principal and no need to repay the principal in the first phase; In terms of handling fee, it provides the choice of one-time payment and on-time payment.

Extended data:

Credit card application conditions are as follows

1. All China citizens, foreigners living in China and compatriots from Hong Kong, Macao and Taiwan who have full capacity for civil conduct, legally stable income and good reputation can apply for personal credit card MasterCard with their valid certificates. Note: the application card needs to be accompanied by work certificate, and other conditions are needed, including social security, good enterprises such as institutions, vehicles, houses, etc. , the specific phone number can be contacted.

Two, the principal cardholder and the deputy cardholder * * use the same credit line; The cardholder of the primary card can set the usage limit of the secondary card within the credit limit; All transaction funds, corresponding interest and expenses of the secondary card are credited to the account of the primary card, and the cardholder of the primary card is fully responsible for the debts incurred under the primary card and the secondary card.

3. Enterprises, administrative institutions, social organizations and other economic organizations authorized by a legal person to open a basic account in domestic financial institutions may apply to the card issuer for a corporate card with an account opening permit issued by the People's Bank of China.

To apply for a foreign currency unit card, you must also have a stable source of foreign exchange and an account that can legally control its foreign exchange. Each unit can apply for several unit cards, and the cardholder qualification shall be designated or revoked in writing by the legal representative of the applicant unit or its entrusted agent. The applicant shall bear all debts arising from the unit card.

4. When applying for a credit card, the applicant shall fill in the application form and the authentic materials required by the card issuer correctly, completely and truly, and sign a contract with the card issuer. According to the applicant's application and credit status, the card issuer decides whether to approve his application, whether to require him to provide guarantee and guarantee method, and determines the credit limit.

Five, credit card applicants to provide security methods include guarantee, mortgage and pledge. The scope of guarantee includes all outstanding debts under the cardholder's credit card, and the corresponding guarantee contract is signed for guarantee.

6. The credit card issuer of China Everbright Bank provides the cardholder with the inquiry password and transaction password through designated channels.

7. After receiving the credit card, the cardholder shall immediately sign the same signature in the signature column on the back of the credit card and use the same signature in the transaction, otherwise the cardholder shall be responsible for the losses arising therefrom.

References:

Baidu Encyclopedia _ China Everbright Bank Credit Card