The repayment date of CCB credit card

The billing date of CCB credit card is different, and the repayment date is also different.

Take the China Construction Bank Long Card Credit Card as an example:

The bill date for the CCB Credit Card is the 22nd, and the repayment date is the 11th of the following month.

The fixed repayment date corresponding to the bill date:

Starting from May 15, 2016, the due repayment date of China Construction Bank Long Card Credit Card is not fixed 20 days from the original bill date. The repayment date is adjusted to a fixed repayment date.

Extended information

According to the relevant provisions of the "China Construction Bank Dragon Card Credit Card Regulations":

Article 20 The cardholder shall pay the due date (including If the entire repayment amount is repaid before ), the consumption transactions incurred in the current period on the current statement will enjoy interest-free treatment. The interest-free repayment period will be notified separately by the Bank.

Article 21 If the cardholder fails to repay the entire repayment amount before the due repayment date (inclusive), he may repay any amount not less than the minimum repayment amount. However, consumer transaction amounts that should be repaid no longer enjoy interest-free repayment treatment.

Card holders do not enjoy interest-free repayment for cash advance transactions. For transactions that do not meet the interest-free conditions for cardholders, the Bank will calculate interest starting from the bank accounting date. The upper limit of the daily interest rate is 50,000 and the lower limit is 0.7 times of 50,000 (equivalent to an annual interest rate upper limit of 18.25% , the lower limit is 0.7 times of 18.25%), and compound interest is calculated on a monthly basis. If the relevant regulations of the People's Bank of China change, the regulations will be followed.

Article 22: When the cardholder fails to repay by the due repayment date or the repayment amount is less than the minimum repayment amount, the Bank will charge 5% of the unpaid portion of the minimum repayment amount each time. The minimum repayment penalty charged is 5 yuan or 1 US dollar or 1 euro, and the currency is the same as the corresponding minimum repayment amount. If there is any other agreement, it shall be implemented as agreed.

China Construction Bank - Announcement on Adjusting the Due Repayment Date of Long Card Credit Card

China Construction Bank - Announcement on Updating the "China Construction Bank Long Card Credit Card Charter" [img]

When is the repayment date for CCB credit card?

The repayment date for CCB credit card

The repayment date for CCB credit card is the 20th day after the statement date. For example, if the billing date for a CCB credit card is the 12th of each month, then the repayment date for the CCB credit card will be around the 2nd of each month.

The billing dates available for CCB credit cards are: 2, 5, 7, 10, 12, 15, 17, 19, 22, 23, 24, 25, 26 and 27; CCB credit card billing dates It can be adjusted, but the billing date can only be modified once in a calendar year.

For example: March 13th-April 12th is a billing cycle. Card consumption in this cycle will generate a bill on April 12th, and May 2nd is the final repayment date.

April 13th-May 12th is a billing cycle. Card consumption in this cycle will generate a bill on May 12th, and June 1st is the final repayment date. And so on.

So, if you swipe your card for consumption on the bill day, the interest-free period will be the shortest, only 20 days (swipe the card on April 12, and repay on May 2). If you swipe your card for consumption on the bill date, the interest-free period will be the longest, with 50 days (swipe the card on April 13, repay on June 1). Be sure to know your credit card billing date and repayment date to avoid missing payments.

When is the repayment date for China Construction Bank Credit Card?

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 cardholders etc. are summarized, interest is calculated, and the date on which the cardholder's current repayment amount is calculated.

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

Monthly repayment dates for CCB credit cards

The billing dates available for CCB credit cards are: 2, 5, 7, 10, 12, 15, 17, 19, 22, 23 , 24, 25, 26 and 27; the CCB credit card statement date can be adjusted, but the statement date can only be modified once in a calendar year.

The CCB credit card repayment date is the 20th day after the bill date. Your credit card bill date is the 12th of every month (fixed), so the repayment date is the 20th day after the bill date, that is, 2 of each month. Around the number (there are 30 and 31 days in each month).

The head office of China Construction Bank (China Construction Bank) is located at No. 25 Financial Street, Beijing. It is a large state-owned bank. China Construction Bank's main business areas include corporate banking, personal banking and treasury services. It has branches and subsidiaries in 29 countries and regions, and owns funds, leasing, trusts, life, property and casualty insurance, investment banking, futures, and pensions. subsidiaries in many industries.

China Construction Bank has a broad customer base and maintains banking business relationships with a number of large enterprise groups and leading enterprises in China's strategic economic industries. Its marketing network covers major regions across the country.

Business

Credit funds loans, resident savings deposits, foreign exchange business, credit card business, as well as policy housing reform finance and personal housing mortgage loans and other businesses.

Type introduction

Personal housing loan business

Personal housing loan business refers to China Construction Bank or China Construction Bank accepting entrustment to purchase, construct, and Loans issued to natural persons for overhauling various types of houses.

China Construction Bank’s personal housing loan business mainly includes self-operated personal housing loans, that is, personal housing mortgage loans (including personal first-hand housing loans, personal re-trade loans, housing loans, that is, second-hand housing loans, personal commercial housing loans, Personal housing mortgage loans, etc.), provident fund personal housing loans and personal housing portfolio loans.

Credit card business

China Construction Bank, as one of the earliest state-owned banks in China to issue credit cards, 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.

Silver Star International Money Transfer

CCB Silver Star International Money Transfer Service is a personal international money transfer business jointly launched by China Construction Bank and Silver Star International Money Transfer Company. The customer entrusts Silver Star Express Company to handle personal overseas foreign exchange remittances or small-amount international remittances to remit personal foreign exchange funds overseas.

What is the repayment date for China Construction Bank’s credit card?

The repayment date for China Construction Bank’s credit card is generally the 20th day after its statement date, while the bill date for China Construction Bank’s credit card is Available in sizes 2, 5, 7, 10, 12, 15, 17, 19, 22, 23, 24, 25, 26 and 27. So your CCB credit card repayment date depends on when your CCB credit card bill date is.

China Construction Bank Long Card Credit Card is a credit card brand with 90 million customers. It adheres to the customer-centered concept and provides customers with professional financial services and convenient payment experience. There are more than 100 credit card products in multiple series such as Longka Family Love Card, Global Popular Card, Tencent Game Card, etc., to meet customers' various consumption needs such as domestic and overseas transactions, family care, and installment financing. Special offers such as Dragon Card Saturdays, cash rebates for overseas purchases, and a variety of installment products help customers manage finances easily and consume smartly.

Annual fee-free policy: Swipe the Gold Card 3 times to waive the annual fee for the following year (excluding business cards, car cards and other special cards)

Cash withdrawal fees: Domestic: 1‰ of the transaction amount, minimum 2 yuan, maximum 50 yuan; overseas: 3% of the transaction amount, minimum 3 US dollars.

Maximum interest-free period: 50 days

Multi-account management: ***enjoy independent repayment on the billing day.

Online payment: Alipay: can be used after online registration, single and single-day limits are 5,000 yuan

Instalment business: support interest-free installments (3 installments, 6 installments) at specific merchants Issue, Issue 12, Issue 24). After a single purchase of more than 1,000 yuan, you can apply for installments (3, 6, or 12 installments) by phone. Each installment will incur different handling fees depending on the number of installments.

Billing date: 27th of each month, can be modified once a year.

Card type: Gold card (limit 10,000-50,000 yuan)

Currency: RMB

China Construction Bank Credit Card provides you with cash withdrawals (cash withdrawals) Services, cash withdrawals (cash withdrawals) are subject to a cash withdrawal fee. According to the relevant regulations of the People's Bank of China and the State Administration of Foreign Exchange, within the country, the cumulative amount of cash withdrawals (cash withdrawals) per card per day shall not exceed RMB 5,000 (excluding withdrawals at overpayment outlets)

CCB Long Card Credit Card Repayment Let’s stop talking about Japan’s introduction here.