1. The repayment date of CCB's credit card is 20 days after the bill date, that is, the shortest interest-free period is 20 days and the longest is 50 days. The holder can repay according to the minimum repayment amount stipulated by the issuer, and the minimum repayment amount shall not be less than 10% of the overdraft balance. If the holder pays off all the bill amount on the final repayment date, there is no need to pay any interest and late fees, and he can enjoy the interest-free period given by the bank. The cardholder will no longer enjoy the interest-free period if he fails to pay off all the bills in the current month. All expenses are calculated from the date of expenditure, with a daily interest rate of 0.05%, a daily interest rate and a monthly interest rate. If the cardholder fails to repay according to the minimum repayment amount (the minimum repayment amount is generally 10% of the monthly bill amount, and the repayment amount is greater than or equal to this amount, no late payment fee will be generated, and personal credit will not be affected), the cardholder shall pay a late payment fee. The overdue fine is calculated at 5% of the unpaid part of the minimum repayment amount.
2. How much is the credit card interest of China Construction Bank?
For example, on the 5th of the billing date and the 24th of the repayment date, you 1 spend RMB 3,000, on the 4th 1000, and on the 24th, 400 yuan. The calculation is as follows: 3000x0.05%x24 (days)+1000x0.05%X20 (days) =46 yuan, that is, as of the repayment date of this bill, your CCB credit card will generate 46 yuan interest (5/ 10000 interest will be charged every day thereafter).
3. When the user can't repay, the interest on the minimum repayment amount will be generated after applying for the minimum repayment amount. The daily interest rate is 0.05%. The interest calculation formula is repayment amount *0.05%* days. If the user fails to repay the loan, the bank will charge interest on the overdue amount, with the daily interest rate of 0.05%, and the interest will be *0.05%* days of the payable amount, and the monthly compound interest basis will exceed 30 days. Users who use credit cards to withdraw cash will charge interest on the cash withdrawal part, with the interest rate of 0.05% and the interest of *0.05%* days of the cash withdrawal amount. The consumption before the bill date of each month can be paid off before the bill date of the current month and the first repayment date 20 days after the bill date, and you can enjoy interest-free treatment; Pay off the consumption after the bill date of next month before the first repayment date of 20 days after the bill date, and enjoy interest-free treatment; There is no interest-free period for credit card withdrawal, and there is a service charge. From the date of withdrawal, interest will be charged at 0.05% of the cash bill amount until the principal and interest are fully paid off. Therefore, it is not recommended to withdraw cash by credit card. Urgent need, should be repaid as soon as possible; The credit card repayment date is the final repayment date. Repayment can be made on any previous day or multiple times. However, even if the repayment date is overdue, it may affect personal credit and should be repaid in time.