If CCB's credit card is repaid before the repayment date, there is no interest. If the amount on the statement is not fully repaid before the final repayment date (inclusive), interest will be charged at the rate of 0.5 ‰ per day for each consumption from the date of consumption. Therefore, the specific interest generated by CCB depends on the date of consumption.

Current repayment amount of CCB credit card bill:

Also known as the repayment amount of the current bill, it refers to the sum of all transactions and fees receivable from the previous billing date to the current billing date, including the overdue repayment amount of the user in the previous period.

Minimum repayment amount in this period:

It means that if the cardholder has difficulty in repaying all the payables before the due repayment date (inclusive), he can repay according to the minimum repayment amount stipulated by the issuing bank, but he cannot enjoy the interest-free repayment period. The minimum repayment amount is 65438+ 00% of the consumption amount plus other payables. The minimum repayment amount is listed on the current bill.

Minimum repayment amount = 65,438+00% of the consumption amount within the limit, 65,438+000% of the cash advance transaction amount, 65,438+000% of the unpaid part of the previous minimum repayment amount, 65,438+000% of the consumption amount exceeding the limit, and 65,438+000% of the expenses and interest.

How to calculate the credit card interest of CCB?

1, installment repayment rate of CCB credit card

If the single credit card consumption is more than RMB 1000, you can apply for installment, and you can apply for installment 3, 6 and 12. The handling fees are 0.7%, 0.6% and 0.6% respectively, and no interest is charged.

2. Cash interest of CCB credit card.

CCB pays interest in addition to the handling fee and does not enjoy interest-free treatment. Cash interest will be charged from the date when you overdraw, with a daily interest rate of 0.05% and compound interest on a monthly basis.

3. How to calculate the credit card interest of CCB?

If you don't pay off the amount on the bill in full before the final repayment date (inclusive), all the consumption on your current bill will no longer enjoy the interest-free period. From the date of consumption, each consumption will receive five ten thousandths of the daily interest. So how much interest you earn in CCB depends on your consumption date.

For example, the billing date is 5 days, the repayment date is 24 days, you 1 spend 3,000 yuan, spend 1000 yuan on 4 days, and repay 400 yuan on 24 days. The calculation is as follows: 3000X0.05%X24 (days) 1000X0.05%X20 (days).

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.

China Construction Bank Credit Card Baidu Encyclopedia

How to calculate the interest on the minimum repayment amount of CCB credit card?

If the repayment is made according to the minimum repayment amount listed in CCB's credit card statement, the credit record will not be affected, and the current statement will not enjoy the interest-free repayment period. From the bookkeeping date of each transaction to the repayment date, overdraft interest is charged for all transactions in the statement, and compound interest is charged monthly. Unless otherwise specified, the benchmark interest rate of CCB is 0.5 ‰ per day. If there is any adjustment, the upper and lower limits of the daily interest rate are 0.7 times of 0.5 ‰ (the upper and lower limits of the approximate annualized interest rate are 18.25%, that is, 12.775%, and the conversion formula is annualized interest rate = daily interest rate. If there is any change in the relevant provisions of the People's Bank of China, such provisions shall prevail. Please refer to the actual interest listed on the bill.

(In case of business changes, please refer to the actual situation. )

How to calculate the credit card interest of China Construction Bank?

Generally, the daily interest rate is 0.05%.

First of all, we should know that after we transfer this cash, the interest on the money in CCB's credit card is calculated according to the daily interest rate of 0.05%. Then the specific calculation method of the daily interest rate we just mentioned is this: interest is equal to the transferred amount multiplied by our daily interest rate and then multiplied by the number of days.

Secondly, I want you to tell everyone that after we calculate, in addition to the interest just mentioned, the bank will still charge us a certain amount of formalities. For example, there was a CCB credit card user who transferred his 10,000 yuan in cash, and it took him about ten days. Then the interest generated by this cash is, 1 ten thousand yuan multiplied by 0.05%.

3. For the cash transfer business, the interest and handling fee charged are the same as the overdraft withdrawal. The handling fee is charged on a per-transaction basis, which is 1% of the transfer amount, with the lowest 2 yuan and the highest 100 yuan. There is no handling fee for transferring the overpaid funds to the bank account in the same city. Cash transfer does not enjoy interest-free repayment, and interest is calculated from the bank bookkeeping date. The interest rate on the benchmark date is 5/10000, with compound interest calculated monthly.

4. In daily life, if the user wants to cash in the credit card of CCB, then he must have a debit card and a credit card. Debit cards have been used for online banking. The specific steps are: 1. The cardholder logs into the online bank account of CCB and finds the credit card service. 2. Enter personal data according to the prompt, in which the account number is your own credit card and the account password is credit card consumption _ cash withdrawal password, and enter the additional code according to the box on the right. 3. After the credit card is bound to the online banking, click the "Cash Transfer" option and enter the password to successfully operate.

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.

Here is how to calculate the interest of credit card CCB.