You can directly call the customer service hotline of China Construction Bank Credit Card Center at 4008200588 to make changes or go directly to the bank counter to make changes. You can only make changes once a year. Please bring your ID card and bank card when making changes. The billing date of a credit card can be modified once a year. The currently available billing dates include the 2nd, 5th, 7th, 10th, 12th, 13th, 15th, 17th, 19th, 22nd, 23rd, 24th, 25th, 26th and 27th of each month.
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1. How to cancel a credit card
① Dial the customer service number of the bank's credit card center with your mobile phone and select the cancellation service according to the voice prompts. It should be noted that your The credit card must have no outstanding balances in order for the operation to be successful.
② Go to the bank counter to cancel your card. Bring your ID card and credit card and fill in the card cancellation application form at the bank.
2. How long does it take for a credit report to be filed after a credit card is overdue?
Most banks generally have a grace period of 1 to 3 days for credit card repayments (this is a natural day, not a working day). Bank of China , China Merchants, Minsheng, China Everbright, Ping An, CITIC, Shanghai Pudong Development Bank, Industrial Bank, Hua Xia and other banks provide a repayment grace period of 3 days. The longest grace period of China Construction Bank can reach 5 days, while the grace period of Agricultural Bank of China ranges from 3 days to 9 days, 3 days for ordinary card and gold card customers, and 9 days for platinum card customers. ICBC does not have a grace period. If you pay one day late, you will be asked to file a credit report.
3. How much is the interest on a credit card?
Whether it is a cash withdrawal or a minimum repayment, the interest is calculated on a daily basis. The daily interest rate is 0.05%, which is converted into an adult. The interest rate is 18.25. If you use the minimum repayment amount to repay, the interest will be very high, almost 4 times higher than the bank loan interest rate, so you must use your credit card rationally and try not to use the minimum repayment amount for repayment and cash withdrawals.
4. How can a credit card transfer money to WeChat?
Credit cards need to handle cash transfers first. First transfer the amount to the bank card, and then recharge the bank card. Go to WeChat wallet. Therefore, credit cards cannot directly transfer the amount to WeChat, and the process must be completed through a bank card. Credit card binding in WeChat can only be used for consumption. Transfers and red envelopes are not supported.
5. Can credit card money be withdrawn?
Yes, credit card money can be withdrawn. Credit card withdrawals are divided into two situations, one is credit card overdraft withdrawal, The second type is to withdraw cash from overpayment on a credit card. Overpayment is the remaining amount after deducting the arrears on the repayment date because we have paid too much.