As of September 2019, the CCB credit card installment rate is:

The rate for 3rd period is 0.7%, and the 6th, 10th, 12th, 18th and 24th periods are all 0.7%. 0.6%. ?

The above is the benchmark reference price. CCB has the right to fluctuate up or down based on market conditions and customer qualifications. The specific price shall be subject to notification when the customer applies.

The installment amount is principal * rate + principal / number of periods.

Explanation of installment calculation reference

Mr. Wang’s bill date is the 17th. He purchased a home appliance worth 3,600 yuan on October 8, 2006. On the third day after swiping his card, Three days later (October 11), I called CCB to apply for consumption installment. The number of installments is 12.

The 12-month installment fee rate chosen by Mr. Wang is 0.60%, so the monthly repayment amount is: 3,600×0.60%+3,600÷12=21.6+300=321.6 yuan, that is, Mr. Wang only needs to pay monthly Return 321.6 yuan without paying other fees.

Extended information

The minimum application amount for CCB credit card is RMB 300 to apply.

The bill installment period is from the day after the bill date to the day before the due repayment date. The cardholder applies to our bank for a certain amount of RMB consumption in the bill to be repaid in installments.

The minimum application amount is RMB 300, and the maximum amount does not exceed 90% of the unpaid portion of the total RMB consumption amount in the issued bill (excluding cash withdrawals, installment payments and other transactions specified by our bank).

China Construction Bank - Credit Card Channel - Introduction and Process of Consumer Installment Business

Hexun.com - Analysis of Credit Card Installment: Teach you how to calculate the real interest rate of the installment