The minimum repayment amount is to exchange high interest rates without affecting creditworthiness. Generally, 10% of the total amount is enough.

Calculation method of minimum repayment amount of CCB credit card:

Minimum repayment amount of CCB credit card = consumption amount within credit limit × 10% + credit card cash withdrawal amount × 10% + minimum in the previous period The unpaid repayment amount × 100% + the transaction amount exceeding the credit limit × 100% + all fees and interest × 100%.

Generally, the minimum repayment amount is 10% of the card amount this month.

But it can be seen from this formula that if you withdraw cash this month, you will also need to add 10% of the cash withdrawal amount, as well as the interest and fees borne by the cash withdrawal amount.

As well as the full amount of the unpaid minimum repayment amount on the last billing day and the full amount of the transaction amount exceeding the limit.

If the repayment amount before the due payment date is ≥ the minimum repayment amount and < the amount due for the current period, only interest will be paid; if < the minimum repayment amount, in addition to interest, late payment fees will also be paid. , and affect credit history.

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How to repay a credit card:

1. Open "WeChat" on your mobile phone.

Second, click to enter the "WeChat" homepage.

Third, click "Me" and then "Wallet" to enter the next page.

Four. Click "Credit Card Repayment" to go to the next page.

Fifth, click "I want to repay" to go to the next page.

Sixth, enter the card number and name to be bound and click Confirm.

Reference: China Construction Bank-Credit Card