Is it possible to apply for a 3-month extension for CCB credit card?

Yes. It is possible to apply for a 3-month extension for CCB's credit card. This bank was established on October 1, 1954. Its head office is located on Financial Street, Beijing. It is a large state-owned bank managed by the central government and is at the deputy ministerial level. unit.

You can delay repayment for several days with CCB credit card

If the repayment is not delayed due to unavoidable events, you should repay on time and avoid "stains" on your credit. Be sure to keep your final repayment date in mind. You can activate the SMS reminder service or follow the official WeChat account of China Construction Bank to keep abreast of your repayment information. If you need to go out before the final repayment date, it is recommended to repay in advance; if you cannot go out because of To repay in time, you can call customer service 400-820-0588 to explain the situation and apply for an extension of repayment, which can usually be extended for 2 to 4 days; if you cannot repay in time due to financial reasons, it is recommended that you pay the minimum repayment amount to ensure that it is not Generate credit card overdue records.

Can CCB credit card repayment be postponed for a few days?

Hello, credit cards generally have a grace period of three days after the repayment date. Repayment within the grace period is deemed to be repayment on time. This means The following situations will occur;

1. If the repayment is paid in full, no fees will be incurred;

2. The repayment amount is less than the minimum repayment stipulated by the bank, it will be regarded as If the payment is overdue, the interest rate is 0.05, and a late payment fee of 5% of the unpaid portion of the minimum repayment amount is charged;

3. The repayment amount is greater than or equal to the minimum repayment, but less than the full repayment, then it is required Interest will be paid at 0.05;

In addition, if the repayment exceeds the grace period, it will be considered overdue: the interest will be 0.05, and there will also be a late payment fee.

Repayment methods:

In-bank repayment

The repayment methods mainly include: card issuing bank counter, ATM, online banking, automatic transfer, and telephone banking repayment. payment, etc. After repayment, the credit card limit will be restored immediately, and the payment will generally be credited to the account after the system processes it on the same day.

Mobile repayment

The mobile phone is a personal payment terminal of the mobile financial system, which can be used to directly repay the loan by swiping the card, and can also perform transfers and other services. Instant payment!

Convenience store repayment

Convenience store repayment is mainly completed through the "Lakala" smart payment terminal installed in the convenience store. It usually takes 2 to 3 working days to arrive in the account, and there is no handling fee for repayment using this method.

Online repayment

The more common online repayment methods in China include: Baidu Wallet, UnionPay Online, Kuaiqian, Shengfutong, Alipay, Yipay, etc. Depending on the platform and bank you choose, the charging standards and specific payment arrival time will be different.

Inter-bank transfer

Inter-bank transfer/remittance repayment is mainly divided into two methods: inter-bank in the same city and inter-bank in different places. Regardless of the method of transfer or remittance, the remittance bank will charge a certain fee. At the same time, the time it takes for the money to arrive and the convenience of repayment are not as good as intra-peer repayment, online repayment, convenience store repayment and other methods.

Counter Pass

Counter Pass refers to the bank cards issued by various networked financial institutions. RMB current deposits can be made through the counters of other bank branches registered in the UnionPay Exchange Center host system. Withdrawal transactions.

Reference web link

The repayment date of China Construction Bank can be postponed within a few days

It can be postponed for three days.

The details are as follows:

CCB provides credit card repayment grace period service. There is no need to apply for this service, and the time is the third day after the due date of repayment.

If you repay within the repayment grace period, CCB will treat it as on-time repayment. If the repayment is not successful on the day due to transfer time differences and other reasons, please ensure that the repayment amount is received before 7:00 am on the third day after the due payment date, and it will still be regarded as normal repayment.

The repayment due date for China Construction Bank credit card is 20 days after the statement date. For example, the 5th of each month is the billing day, and the payment due date is the 25th of the month.

1. China Construction Bank Credit Card Statement Date

The billing dates available for China Construction Bank Credit Card are: 2, 5, 7, 10, 12, 15, 17, 19, 22, 23rd, 24th, 25th, 26th and 27th; the cardholder’s statement date can be viewed on the monthly statement. The statement date of China Construction Bank's credit card can be adjusted, but the statement date can only be modified once in a calendar year.

2. Explanation of credit card repayment names

1. Statement date refers to the Bank’s monthly cumulative unpaid consumption transaction principal, cash withdrawal transaction principal, and fees to the cardholder. etc. are summarized, interest is calculated, and the date on which the cardholder's current repayment amount is calculated.

2. The repayment due date refers to the last date specified by the Bank when the cardholder should repay the entire repayment amount or the minimum repayment amount.

3. The interest-free repayment period refers to banks that can enjoy interest-free treatment for consumer transactions on the premise that the cardholder repays the entire amount due before the due repayment date (inclusive). The time between the accounting date and the repayment date.

3. Calculation method of interest-free repayment period

1. If the 5th of each month is the billing day, the due repayment date is the 25th of the month.

2. The interest-free repayment period starts from the bill date to the due payment date. The longest interest-free repayment period for China Construction Bank credit card is 50 days and the shortest is 20 days. You can enjoy the interest-free repayment period on the day after the bill date. to the maximum interest-free period.

As one of the earliest state-owned banks in China to issue credit cards, China Construction Bank already has many credit card types.

The credit cards issued by China Construction Bank are all named "Dragon Card". The types of Dragon Cards that have been publicly issued include: Dragon Card Prestigious School Card, Dragon Card Business Card, Dragon Card Car Card, China Eastern Airlines Dragon Card, Shanghai Volkswagen Dragon Card, Dragon Card Hong Kong Wonderful Travel Credit Card, CCB VISA Ming Card, eLong Changxing Dragon Card, Mango Travel Dragon Card, Dragon Card (Cup) Tennis Card.

That’s it for the introduction of CCB credit card extension.