According to the regulations of CCB Credit Card Management Center, credit card holders can enjoy a 50-day interest-free discount when they repay all loans on the repayment date. However, CCB also provides the minimum repayment method, so as long as there is no full repayment, you will no longer enjoy the 50-day interest-free repayment period and pay the corresponding interest. CCB's credit card interest is calculated from the date of credit card overdraft until the loan is paid off. The daily interest rate is 0.5 ‰, and compound interest is charged monthly.

In fact, the essence of credit card is the micro-loan provided by the bank, but there is a little preferential time for interest.

1, there is no interest on credit card spending, no matter how much money is deducted locally or in different places.

2. Before your repayment date, you can repay in full without interest.

3, credit card cash withdrawal, whether in the local or off-site, there is interest. Because banks don't encourage customers to withdraw cash.

4. Concrete calculation of credit card interest of CCB: (current consumption amount-minimum repayment amount) *0.05%* (actual repayment date-due repayment date).

There is no handling fee and interest for credit card swiping of China Construction Bank, but there will be a certain handling fee for cash withdrawal:

In general, the handling fee is charged at 1% of the cash withdrawal amount, and the minimum charge is 10 yuan. In addition to the formalities, interest of five ten thousandths of the cash withdrawal amount is charged every day.

To transfer money by credit card, you must have a debit card of the bank and open one of telephone banking, online banking and mobile banking. Cardholders must pay the bill and related expenses after transferring cash in advance. Charge five ten thousandths of interest every day, plus related handling fees.