How to repay a China Construction Bank credit card overdraft

CCB credit card repayment method 1: Repayment at a China Construction Bank branch: (If it is not convenient for you to handle it in person, you can tell your friends, Let them make cardless deposits for you)

You can make cash repayment or transfer repayment with your card or at any CCB branch across the country. Regardless of whether it is in the same city or in another place, China Construction Bank branches can accept it, and there is no handling fee.

—Outlet repayment can realize the repayment of RMB arrears in RMB cash and the repayment of USD arrears in USD cash.

—Transfer repayment can transfer funds from your debit card or quasi-credit card to your credit card account for repayment.

—Using RMB cash to repay RMB debts and transfer repayments can be handled at all our bank’s business outlets, while using USD cash to repay U.S. dollar debts must be handled at our bank’s business outlets.

—When repaying the loan in a convertible foreign currency other than the US dollar, you should exchange it through foreign exchange buying and selling, and then repay in US dollars.

CCB credit card repayment method 2: Agreed account repayment: (RMB)

You can designate a personal bank settlement account opened by you in CCB as the repayment account. China Construction Bank will automatically deduct the corresponding amount from the repayment account on the due date. Before you apply for repayment from the agreed account, please call the local 95533 or 24-hour service hotline to check whether the local CCB where you applied for the card has opened this service.

There are three ways to repay the agreed account:

(1) To repay the RMB debt from the agreed RMB account:

The agreed account must be the one applying for the card for you A 19-digit savings card or 16-digit quasi-credit card account opened by the local China Construction Bank.

Application method: Select the "Agreed Account Repayment Authorization" field on the Dragon Card (Dual Currency) Credit Card Application Form to activate this function;

Go to the website to activate this service Submit an application at a CCB branch.

(2) Agree on the U.S. dollar account to repay the U.S. dollar debt:

The agreed account must be a 19-digit passbook account opened by the China Construction Bank where you apply for the card.

Application method: Select the "Agreed Account Repayment Authorization" field on the application form to activate this function;

Go to a CCB branch that has activated this service to apply.

(3) Agree to purchase foreign exchange in a RMB account and repay U.S. dollar debts:

The agreed account must be a 19-digit savings card or 16-digit quasi-credit card issued by the local China Construction Bank where you apply for the card. card account.

CCB credit card repayment method three: Purchase foreign exchange and repay over the phone (RMB)

For repayment through telephone foreign exchange purchase, you can only use RMB to purchase foreign exchange to repay the US dollar debt of the credit card. You must complete the deposit and telephone repayment application within the same day. The exchange rate is based on our bank's US dollar selling price at the time of purchasing foreign exchange. If you need to inquire, please call our bank's 24-hour service hotline. If the overpayment in your credit card RMB account on the day of your foreign exchange purchase is insufficient, you can also use your available limit to purchase foreign exchange and repay it, and pay interest from the date of your foreign exchange purchase.

CCB credit card repayment method four: ATM transfer repayment

You can transfer the RMB funds from your Dragon Card savings card or quasi-credit card to your Dragon Card credit card account through an ATM to repay the Dragon Card Credit card debt in RMB.

Note: Currently, Shanxi and 2 regions are not open.

Construction Bank credit card repayment method five: online repayment

You can use the CCB debit card or quasi-credit card account signed with online banking to repay the outstanding balance of the Long Card credit card account.

Note: At present, except for the 4 branches in Hainan, Gansu and Qinghai, the other 34 branches have opened the credit card online transfer function.

With the continuous innovation of banking service methods, customers have more and more choices. Now that you understand the above CCB credit card repayment methods, you can freely choose the more convenient method.

How to repay the China Construction Bank credit card

How to repay the China Construction Bank credit card:

1. Repayment at the bank counter: go to the counter of the credit card issuing bank to make manual repayment Just tell the teller to pay by credit card, and you need to prepare cash in advance.

2. ATM repayment: Go to the ATM machine of the credit card issuing bank to make a deposit, and you need to prepare cash in advance.

3. Online banking repayment: Find a savings card with a sufficient balance and online banking, and transfer money to the credit card account with you or across banks for repayment. If you operate across banks, a small handling fee will be charged.

4. Bind a debit card for repayment: Generally, when applying for a credit card, bank staff will ask whether to apply for a debit card of the same person, bind the debit card to the credit card, and set a deduction date (the date is set Set before the credit card repayment date), as long as the savings card has sufficient funds, the bank will automatically transfer money from the savings card to repay the credit card every month, so you don't have to worry about overdue credit card repayments.

5. Alipay repayment: Alipay itself has a credit card repayment function. Click to bind your own credit card and you can see the bill amount every month. You can use the bank card bound to Yu'e Bao or Alipay to repay in real time, or make an appointment to repay, that is, set a repayment date and repay. As a third-party platform, Alipay will charge a small handling fee.

6. Mobile APP repayment: Each bank has its own mobile app. Open the app to enter the credit card repayment interface and operate the repayment operation.

Operating environment:

Brand model: iPhone13

System version: iOS15.3.1

App version: v5.7.0.002

CCB Credit Card is a credit card issued by China Construction Bank. All credit cards issued by China Construction Bank are named "Dragon Card", and the types include: Dragon Card Prestigious School Card, Dragon Card Business Card, Dragon Card Car Card, etc.

Interest:

During the interest-free repayment period: The interest-free repayment period refers to the interest-free period for consumption transactions enjoyed by cardholders who repay in full on time. The interest-free period starts from the bank accounting date to the repayment date, with a minimum of 20 days and a maximum of 50 days. Overdraft cash withdrawal transactions do not enjoy the interest-free repayment period.

Tips:

If you fail to repay the loan in full before the due payment date, you will not enjoy the interest-free period. China Construction Bank will charge interest at a daily rate of 5/10,000 and compound interest on a monthly basis. The interest accrual date is from the date of consumption to the repayment date, and the interest accrual principal is calculated based on the actual amount payable.

If you fail to repay before the due payment date or the repayment amount is less than the minimum repayment amount, China Construction Bank will not only charge interest according to regulations, but also charge the unpaid portion of the minimum repayment amount. 5. Charge late fees.

How to repay CCB credit card?

Customers can handle CCB credit card repayment in the following ways: 1. Log in to mobile banking, go through the "Credit Card - Card Services - My Accounts - Repay for Me" menu, and follow the prompts. The repayment amount supports the selection of "repayment required in this period", "minimum repayment required" or "enter repayment amount". Warm reminder: If you need to handle foreign exchange purchase and repayment, please do so before 22:00 every day. 2. Follow and enter the "China Construction Bank" WeChat official account. After binding the credit card, enter "repayment" in the official account conversation mode to obtain the link, and follow the prompts to process.

(In case of business changes, please refer to the actual situation.)

Can CCB credit card be repaid in advance? Whatever you want, it's okay.

It's okay. Customers can handle credit card repayments in the following ways: 1. Log in to mobile banking, go through the "Credit Card" menu, and follow the prompts. 2. Log in to personal online banking, go through the "Credit Card - Card Account Transactions - One-Click Repayment" menu and follow the prompts. 3. Go to the homepage of CCB’s official website, go through the “Credit Card-Credit Card Homepage-Service Hall-I Want to Repay-One-Click Repayment/Repay for Me” menu and follow the prompts. At the same time, customers can deposit money to credit cards and repay through ATMs and outlets, or transfer and repay through third-party channels such as inter-bank transfers and Alipay.

(In case of business changes, please refer to the actual situation.)

This is the end of the introduction on how to repay overdrafts with CCB credit cards and whether CCB cards can be overdrafted. I don’t know what you learned from it. Did you find the information you needed?