China Construction Bank generally deducts money from the agreed repayment account on the morning of the due repayment date, so it is best to deposit the due amount into the account before 7: 00 a.m. If the deduction fails, the bank will make a supplementary deduction on the morning of the third day after the due repayment date, and the successful supplementary deduction will still be regarded as normal repayment.

The repayment date of CCB is calculated according to the bookkeeping date. The billing date provided by CCB is 13, and the billing dates of this 13 are 2, 5, 7, 10, 12, 15, 17 and 18 respectively. For example, if the billing date of a credit card holder is the 7th day of each month, the repayment date is the 27th day of each month.

The bill of CCB can be modified, and everyone has an opportunity to modify the bill once a year. For example, the billing date of a credit card user is 25th, and the repayment date is15th every month. However, because the monthly pay date of a credit card user is 20th of each month, the user can apply to China Construction Bank to change the billing date to 2nd of each month, so the repayment date is 22nd of each month.