Credit cards have a designated billing date and repayment date, and the repayment period is periodic. "Bookkeeping date" refers to the date when the card issuer summarizes the accumulated outstanding principal of consumer transactions, principal of cash withdrawal transactions, fees, etc. Every month, calculate the interest and the amount that the cardholder should repay. ?
The latest date when the card issuer stipulates that the cardholder should repay the full amount or the minimum amount (the consumption amount can be repaid before the due repayment date and the credit card can be returned before 24: 00 at the latest).
Extended data
Interest-free repayment period: Interest-free repayment period refers to the interest-free period of consumer transactions enjoyed by cardholders who repay in full on time. The interest-free period is from the bank bookkeeping date to the repayment date, with a minimum of 20 days and a maximum of 50 days. Overdraft cash withdrawal transactions do not enjoy interest-free repayment period.
If you don't repay in full before maturity, you won't enjoy the interest-free period. The Construction Bank will charge interest at a daily interest rate of 0.5 ‰ and compound interest monthly. The interest-bearing date is from the date of consumption to the date of repayment, and the interest-bearing principal is calculated according to the actual amount payable.
If the repayment is not made before the due repayment date or the repayment amount is lower than the minimum repayment amount, CCB will charge interest as required, and at the same time charge a late fee of 5% of the minimum repayment amount.
The calculation example shows that:
Suppose the billing date of the user is a month 17, and the due repayment date (for example, the 30th of a month) is next month 17 (if the month is 3 1 day, it is next month 16, and the year and month are calculated accordingly).
If the user spends 65,438+00,000 yuan in April, 65,438+05, and the consumption amount is credited to the user's account on the same day, the bank bookkeeping date is April, 65,438+05, because the user bookkeeping date is April, 65,438+07, the due repayment date is May 7, 20 days after the bookkeeping date, and the longest interest-free period for this consumption is 20 days.
If the user spends 65,438+00,000 yuan in April, 65,438+08, and the consumption amount is credited to the user's account on the same day, the bank bookkeeping date is April, 65,438+08. Since the consumption amount should be recorded on May 65, 438+07, there are still 50 days before the due repayment date on June 6, and the longest interest-free period of this consumption is 50.
Baidu Encyclopedia-CCB Credit Card
Baidu Encyclopedia-Bookkeeping Date
Baidu encyclopedia-credit card