The calculation method of overdue repayment interest of CCB credit card is full penalty interest and revolving interest. As long as your CCB credit card is overdue, you will no longer enjoy interest-free treatment and need to pay interest in full. From the date of consumption, the daily interest rate is five ten thousandths, and the compound interest is calculated monthly until it is paid off.

For example, the billing date of CCB's credit card is 15, and during this month's billing cycle, there is a consumption on 14, amounting to 5000 yuan. Then this person's "current repayment amount" is 5000 yuan, and the "minimum repayment amount" is 500 yuan.

If he only paid the minimum repayment amount of 500 yuan before 30th, the specific calculation of the circulating interest in the statement of the next month 15 is as follows: 5,000 yuan ×0.05%×26 days (March 5th-March 30th)+(5,000 yuan -500 yuan) ×0.05%×6 days (3/kloc-0). If a penny is not paid back, it needs to be calculated from 14 days, and the full interest =5000 yuan ×0.05%×32 days.

Generally speaking, banks will have a "tolerance time" repayment service.

(1) Time-sensitive service: If the account status is normal and the repayment is recorded on the due date of the current bill (including a grace period of at least 3 days, some banks only have 1 day or 2 days, specifically calling the bank credit card customer service consultation), it will be regarded as timely repayment.

(2) Tolerance service: Under normal account status, if the minimum repayment amount in the current period has been fully repaid, but there is still a certain difference between the repayment amount and the amount payable in the bill (generally, 10 yuan RMB or 1 USD, which is still subject to the data published by the bank), it will be regarded as full repayment in the current period, and the unpaid amount will be automatically transferred to the next bill.

Baidu Encyclopedia-CCB Credit Card