The calculation is as follows: China Construction Bank: minimum repayment amount of credit card = unpaid part of the minimum repayment amount in the previous period, accumulated unpaid expenses and interest, 10% of accumulated unpaid cash withdrawal amount, 10% of accumulated unpaid consumption amount, transaction amount exceeding credit limit (including expenses and interest), and 10% of wrongly handled consumption principal.

How is the minimum repayment calculated?

The calculation rules of the minimum repayment amount are: 10% of your consumption, 10% of your current bill, and all interest bills (i.e. late fees, over-limit fees, etc.). ), and the minimum repayment amount on the previous bill has not been paid, so the minimum repayment amount is not a fixed value, which depends on your arrears.

There will be a full repayment amount and a minimum repayment amount on each bill. All you have to do is pay the bill. As long as you don't default, it won't have a bad effect on your credit history, but you have to pay extra interest. Interest is calculated at the rate of 0.5 ‰ per day from the date when your consumption is recorded. After each billing date, the interest will be recorded as compound interest, so it is recommended that you repay it in full as soon as possible.

Paying the minimum repayment will not affect your personal credit. However, since you have not repaid in full, consumers do not enjoy the interest-free repayment period. Interest will be charged on all trading funds from the date when consumption is recorded to the settlement date, with compound interest on a monthly basis, and the interest rate on the benchmark date will be five ten thousandths.

The billing date of the credit card is the date when the bank sent you a credit card bill last month. The bill records your consumption this month and the amount you need to repay, and also shows the minimum repayment this month.

Your repayment period is from the billing date to the repayment date, and you need to repay within this time period. If the repayment is overdue, the consequences will be more serious. In addition, banks generally have a grace period for repayment, that is, a few days after the repayment date, and the repayment within the grace period will not be counted as overdue by the bank. If you don't pay the money after the grace period, your overdue information will be recorded in the credit information.

There are four ways to query the repayment amount of CCB's credit card, which are introduced as follows:

Method 1: Log in to CCB's personal online banking, click Credit Card-Credit Card Inquiry, select the credit card to be inquired, and click Outstanding Bill or Bill to inquire about the repayment amount of CCB's credit card;

Method 2: Open Alipay website, log in Alipay account, click transaction record, and check the repayment status of CCB credit card in the transaction record, which is "successful repayment";

How to calculate the minimum repayment amount of China bank credit card?

The minimum repayment amount refers to the minimum amount you should repay (also called the minimum repayment amount). When the cardholder has difficulty in repaying all the payables before the due repayment date (inclusive), he can repay according to the minimum repayment amount on the bill, without affecting his credit status, but he cannot enjoy the interest-free repayment period.

Calculation method of minimum repayment amount:

Minimum repayment amount = the consumption amount within the credit line × 10%, the cash transaction amount in advance × 100%, the unpaid part of the previous minimum repayment amount × 100%, all expenses and interest exceeding the use amount of the credit line × 100%.

The above contents are for your reference. Please refer to the actual business regulations.

How to calculate the minimum repayment amount of credit card?

1. The minimum repayment amount of a credit card is the minimum repayment amount in the current bill of the credit card. If the repayment amount is lower than this amount, it will have a negative impact on personal credit. However, interest will be charged after using the minimum repayment amount, and you can no longer enjoy interest-free.

2. Calculation method of minimum repayment amount: minimum repayment amount = 10% consumption balance 10% cash withdrawal balance, interest balance and other payable expenses balance, and the unpaid part of the minimum repayment amount in the previous period.