1. Yes, a debt of 50 yuan from China Everbright Bank will affect your creditworthiness.

2. The following factors affect creditworthiness:

a. Overdue record: Failure to repay on time will leave an overdue record in the credit report, which will have a negative impact on creditworthiness. Influence.

b. Bank Notice: The bank may send a notice to the credit agency stating the borrower's overdue status, which will also reduce the creditworthiness.

c. Credit rating: Credit agencies evaluate credit risk based on overdue records and other factors. Overdue repayment will lead to a downgrade in the rating.

3. Summary:

Forgetting to repay the RMB 50 debt owed by China Everbright Bank will have a negative impact on credit, which may lead to overdue records, bank notifications and lower credit ratings.

4.

Extended information:

Creditability refers to the evaluation of the credit status of an individual or institution. Bad credit records such as late repayments will be included in the personal credit report, which will have an impact on the individual's future borrowing, renting, and credit card applications. Each bank regularly reports borrowers' credit information, including late repayments, to credit agencies. Therefore, paying off debts on time is an important way to maintain good credit.

For overdue records, China’s credit system has different handling methods for different situations. The longer the overdue period and the larger the amount, the more serious the impact will be on your creditworthiness. After repayment, individuals can request corresponding certificates from the bank and update their credit reports in a timely manner to repair their creditworthiness. It is recommended that borrowers develop good repayment habits and avoid credit risks caused by late repayments.