Credit card bills can be divided into three periods, six periods, 12 period, 18 period and 24 periods. You can apply from the day after the bill date to the day before the due repayment date.

CCB Credit Card is a credit card issued by China Construction Bank. The credit cards issued by China Construction Bank are all named "Longka", including: Longka Famous School Card, Longka Business Card and Longka Automobile Card.

Interest-free repayment period: Interest-free repayment period refers to the interest-free period of consumer transactions enjoyed by cardholders who repay in full on time. 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.

The calculation example shows that:

Suppose your bookkeeping date is 17 of a month, and the due repayment date (for example, the 30th of a month) is 17 of the next month (if the month is 3 1 day, it is 16 of the next month, and the year and month are calculated accordingly).

If you spend 65,438+00,000 yuan in April, 65,438+05, and this consumption is credited to your account on the same day, the bank bookkeeping date is April, 65,438+05, because your bookkeeping date is April, 65,438+07, and the due repayment date is May 7, the longest interest-free period for this consumption is 23 days.

If you spend 65,438+00,000 yuan in April, 65,438+08, the consumption amount will be credited to your account on the same day, and the bank bookkeeping date will be April, 65,438+08. Since the consumption amount should be recorded on May 65, 438+07, there are still 50 days before the due repayment date on June 6, and the longest interest-free period of this consumption is 50.

During the cycle turnover:

Revolving credit generally means that the credit limit of a credit card can be recycled. As long as the customer can repay the amount in time after each use (including the minimum repayment method), it can be reused without applying before each use. Revolving credit is the inherent attribute and main function of credit card, which brings convenience to cardholders.

Interest calculation of revolving credit:

The consumption amount of the last statement is the interest-bearing principal, and the interest-bearing days are from the account bookkeeping date to the account repayment date; The interest rate of revolving credit shall be uniformly stipulated by the People's Bank of China, and the daily interest rate shall be 0.5 ‰, with monthly compound interest. The interest on the revolving loan will be stated in the next bill.

The calculation example shows that:

Suppose your bookkeeping date is the 7th of each month and the due repayment date is the 27th of each month. If you spent 10000 yuan on March 20, and this amount was credited to your credit card account on March 23 (that is, the billing date), then on April 7, your statement will list: the total repayment amount in this period is 10000 yuan, and the minimum repayment amount is 1000 yuan. If there are no other transactions between April 8 and May 7, and you paid the minimum repayment amount of 65,438 yuan+0,000 yuan on April 27, the bill on May 7 will include 9,000 yuan and interest of 225 yuan.