If you want to know the number of remaining repayment periods, you can call CCB customer service hotline 95533 to contact CCB customer service and ask the customer to check the number of remaining repayment periods from the system.
If you have opened the China Construction Bank mobile APP, you can contact China Construction Bank’s online customer service, and you can ask the online customer service to query the corresponding remaining repayment periods in the system. This is also very simple.
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Interest
During the interest-free repayment period: The interest-free repayment period refers to the benefits enjoyed by cardholders who repay the loan in full on time. The interest-free period for consumer transactions starts from the bank accounting date to the repayment date, with a minimum of 20 days and a maximum of 50 days. Overdraft cash withdrawal transactions do not enjoy the interest-free repayment period.
Tips:
If you fail to repay the loan in full before the due payment date, you will not enjoy the interest-free period. China Construction Bank will charge interest at a daily rate of 5/10,000 and compound interest on a monthly basis. The interest accrual date is from the date of consumption to the repayment date, and the interest accrual principal is calculated based on the actual amount payable.
If you fail to repay before the due payment date or the repayment amount is less than the minimum repayment amount, China Construction Bank will not only charge interest according to regulations, but also charge the unpaid portion of the minimum repayment amount. 5% late payment fee is charged.
Calculation example:
Assume that your bill date is the 17th of a certain month, and the due payment date (taking 30 days per month as an example) is the 17th of the next month (if If the month has 31 days, it will be the 16th of the next month, and the size of the month is calculated accordingly).
If you spend 10,000 yuan on April 15th, and the payment is credited to your account on that day, the bank accounting date will be April 15th, because your statement date is April 15th. On April 17th, the repayment due date is May 7th, 20 days after the bill date, and the longest interest-free period for this consumption is 23 days;
If you spend $10 on April 18th, 000 yuan, and the consumption amount is credited to your account on the same day, the bank accounting date is April 18. Since the consumption amount should be debited on the billing day of May 17, it is not until the due date of repayment. There are 50 days on June 6th, so the maximum interest-free period for this purchase is 50 days.
During the recycling period:
Revolving credit generally means that the credit limit of a credit card can be recycled. As long as the customer can repay the credit limit in time (including repayment according to the minimum repayment method) after each use, it can be used repeatedly and there is no need to apply before each use. Revolving credit is the inherent attribute and main function of credit cards, which brings convenience to cardholders.
Interest calculation for revolving credit:
Each consumption amount in the previous statement is the interest-bearing principal, from the date the account is recorded until the account is paid off The number of interest accrual days is the number of days to accrue interest; the revolving credit interest rate is uniformly stipulated by the People's Bank of China, with a daily interest rate of 5/10,000, and compound interest is calculated on a monthly basis. Interest on the revolving credit will be stated on your next bill.
Calculation example:
Assume that your bill date is the 7th of each month and the repayment due date is the 27th of each month. If you spend 10,000 yuan on March 20, and the payment is credited to your credit card account on March 23 (i.e., the billing date), your statement on April 7 will list: All for this period The repayment amount is 10,000 yuan, and the minimum repayment amount is 1,000 yuan. If no other transactions are recorded from April 8 to May 7, and you pay the minimum repayment amount of RMB 1,000 on April 27, the bill on May 7 will not include the remaining consumption amount. In addition to the partial repayment of 9,000 yuan, an additional 225 yuan of interest will be included.