CCB's credit card has a fixed billing date every month, on which all the payable amount and minimum repayment amount will be settled, and the final repayment date is 20 days after the billing date. If the payment is made in full before the final repayment date, the consumer will enjoy an interest-free period. If you don't repay in full and on time, it's only the minimum repayment amount, and your personal credit will not be affected, but all your consumption will not enjoy the interest-free period. The bank will charge interest in full at the rate of five ten thousandths per day from the date when your consumption is recorded.

Suppose you do the bill for 3/7, and the total repayment amount is 3,000 yuan, and the minimum repayment amount is 300 yuan. 3/27, you still pay 300, because the minimum repayment amount is enough, so personal credit will not be affected. If 2700 is paid back on March 28th, it is reasonable to calculate the interest. However, I saw on the credit card website of CCB that "the repayment on the same day is unsuccessful due to transfer time difference and other reasons. If the repayment amount can be guaranteed to arrive before 7: 00 am on the third day after the due repayment date, it will still be regarded as normal repayment." Therefore, as long as the repayment is made before noon on the third day after the final repayment date, the repayment can still be made on time, and if the repayment is made in full, you can also enjoy the interest-free period.