How to calculate the annual fee of CCB Credit Card?

The annual fee of CCB Credit Card is calculated one year from the card verification date, not a natural year, nor is it calculated from the card opening date.

If you don’t remember the approval date of your CCB credit card, you can look at the credit card validity period printed on the card. The month in it can help you calculate the anniversary of the credit card annual fee.

Currently, the annual fee for China Construction Bank’s general credit card gold card is 160 yuan/year, and that for ordinary cards is 80 yuan/year. As long as you swipe the card for consumption (including online consumption) or withdraw cash three times every year, you can waive the annual fee for that year. It’s a fee. Their annual fee is calculated from the time you successfully apply for the credit card, and 12 consecutive months is considered to be one year.

Extended information:

CCB Credit Card

Annual fee-free policy: Standard Gold Card is exempted from annual fees after swiping the card 3 times or 18 times (excluding special cards such as business cards and car cards)

Cash withdrawal fees: Domestic: Transaction amount 5‰, with a minimum of 2 yuan and a maximum of 50 yuan; overseas: 3 of the transaction amount, with a minimum of 3 US dollars.

Multiple account management: Limit ***Enjoy multiple CCB cards with the same billing date and independent repayment

Online payment: Alipay: You can use it after online registration, single payment and single payment The daily limit is 500 yuan

Instalment business: interest-free installments (3, 6, and 12 installments) from specific merchants are supported. After a single purchase of more than 1,000 yuan, you can call to apply for installments (3, 6, 12, 18, 24 installments). Each installment will incur different handling fees depending on the number of installments

Billing date: every month There are multiple billing dates, and cardholders can change them once a year during the validity period of the card

Currency: RMB, RMB/USD, RMB/EUR

Interest

During the interest-free repayment period: The interest-free repayment period refers to the interest-free period for consumption transactions enjoyed by cardholders who repay in full on time. The interest-free period starts from the bank accounting date to the repayment date. , the minimum is 20 days, the maximum is 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. Charge late fees.

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.

How to calculate the annual fee of China Construction Bank Credit Card in one year

The annual fee of China Construction Bank Credit Card is calculated from the date of card verification. It is not calculated as a natural year, nor is it calculated from the date of card opening. .

If you don’t remember the approval date of your CCB credit card, you can look at the credit card validity period printed on the card. The month in it can help you calculate the anniversary of the credit card annual fee.

Assuming that the validity period printed on the face of the CCB credit card held by Xiao Xi is 6/22, then the annual fee will generally be charged or reduced in June of each year. Cardholders can check the details in the current bill. .