Hello, at present, the total debt of CCB credit card means that you owe money on this CCB credit card. And now the debt is the money you need to pay back to the bank this month. For example, your credit line is 10000, which cost 2,000 this month and 3,000 after the arrival of the account. So your current debt is 2000, and your total debt is 5000. CCB Credit Card is a credit card issued by China Construction Bank. Credit cards issued by China Construction Bank are all named after "Dragon Card", including Dragon Card, Famous School Card, Dragon Card Business Card and Dragon Card Automobile Card. Interest-free repayment period: Interest-free repayment period means that cardholders can enjoy the interest-free period of consumer transactions under the condition of timely and full repayment. 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.

1. There are several credit card repayment methods: CCB provides credit card repayment methods such as agreed account, network (including online banking, credit card website, mobile banking and WeChat), SMS, outlet counters, self-service equipment, 95533 telephone banking and bank transfer of third-party companies. You can choose according to your own needs. If you have more than one MasterCard at the same time, please pay attention to the corresponding card number for repayment or handle "one-click repayment" through mobile banking, online banking, website and WeChat channels.

2. "One-click repayment" supports multi-card multi-currency combination repayment. You can use the savings account of CCB in your name to repay the local and foreign currency payables of all credit cards in your name at one time (note: foreign currency arrears will be automatically converted into RMB according to the real-time quotation). You may not be able to receive the account on the same day through non-personal inter-bank transfer methods such as inter-bank transfer, third-party platform transfer and ATM transfer. I suggest you arrange time to pay in advance. There is no service charge for repayment by CCB credit card in the same city or in different places; If other third-party companies are used for repayment, please consult the third-party company for repayment service fee.

3. If you can't repay in full before the due date, you won't be able to enjoy the interest-free period. China Construction Bank bears interest at the daily interest rate of 0.05%, with compound interest on a monthly basis. The interest-bearing date is from the consumption date to the repayment date, and the interest-bearing principal is calculated according to the actual payable amount. 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 5% late fee for the unpaid part in addition to interest as required. Minimum repayment amount.

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