Early termination or cancellation of installment payment can be paid in one lump sum. The steps are as follows:

1. Log in to the latest version of mobile banking and enter "query by stages" in the search box above;

2. Click Enter, select the transfer type, and then click "..." to view the staging details;

3. If the current status is "Booked Transaction", it can be terminated early.

If the current status is not "registered transaction", you can follow the following steps:

1, call the customer service hotline 95533;

2. Press the # key, and then select "3 Credit Card Service" to enter the manual service consultation.

If it is necessary to terminate the long-term loan by payment or special installment (such as car purchase installment, decoration installment, installment connection, etc.). ) in advance, it will be decided according to the installment agreement at the time of handling. For details, please consult the acceptance personnel.

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

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.

Tip:

If you don't repay in full before maturity, you won't enjoy the interest-free period. The Construction Bank will charge interest at a daily interest rate of 0.5 ‰ and compound interest monthly. The interest-bearing date is from the date of consumption to the date of repayment, and the interest-bearing principal is calculated according to the actual amount payable.

If the repayment is not made before the due repayment date or the repayment amount is lower than the minimum repayment amount, CCB will charge interest as required, and at the same time charge a late fee of 5% of the minimum repayment amount.

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.

The credit card has paid off the minimum repayment. How can I pay the rest?

The remaining money after the minimum repayment of the credit card can be repaid at any time or on the next repayment date.

1, if you can't pay off the credit card in one lump sum, you can repay it according to the minimum repayment method, and only need to repay 10% of the current repayment amount, and the rest can be repaid on the next repayment date.

2. However, the remaining unpaid part of the minimum repayment amount will be charged with overdraft interest on a daily basis at a daily interest rate of 0.5 ‰ until it is paid off. If the next repayment date is still unable to pay off, you can continue to repay according to the minimum repayment method.

The calculation formula of the minimum repayment amount is: the unpaid part of the minimum repayment amount of the previous bill is 10% of the overdraft balance of the current bill.

Extended data

Network repayment

Credit card online repayment is one of the main repayment methods of bank credit card repayment, and online repayment has become a common repayment method for credit card users.

1. Payee account name: fill in the name of the credit card holder.

2. Payee's bank: fill in "Bank Credit Card Center".

3. Transfer to payee's account: fill in 16-digit credit card.

4. Remarks: Fill in "Credit Card Repayment".

5. Withdrawal password: fill in the one-card withdrawal password.

6. After confirmation, the system will prompt whether the transfer was successful and the transfer amount.

7. Accepted currency for repayment of the "payment plan" function: RMB.

8. Cardholders can use the "payment plan" function to set the payment date in advance, and online banking will transfer the money from one card to the cardholder's credit card or someone else's credit card designated by the cardholder once or regularly every month according to the cardholder's requirements.

9. Currency accepted for repayment by the "credit card payment" function: USD and RMB.

10. If the cardholder has opened personal banking professional version 4.5 or above on the one-card network and handled the self-service transfer business between the one-card and the credit card, he can use the "credit card payment" function to transfer the repayment from his one-card account to his credit card.