If it is an overdraft withdrawal, there is no interest-free period;

If you withdraw 2,000 yuan in cash overdraft with a CCB credit card, the interest you need to pay after one month is: 2,000 yuan × 30 days (the number of days here It is calculated based on the conventional 30-day month. The actual calculation needs to be based on the actual number of days. Interest will be calculated from the day of withdrawal) × 5/10,000 = 30 yuan.

The interest calculation formula is: cash withdrawal amount × daily interest rate (5/10,000) × number of borrowing days.

If it is a consumption overdraft:

The due date for repayment of the China Construction Bank overdraft 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.

The interest-free repayment period starts from the bill date to the due payment date. The interest-free repayment period of China Construction Bank credit card is 50 days long and 20 days short. You can enjoy the long-term exemption if you spend the day after the bill date. interest period.

CCB overdraft card statement date: refers to CCB’s monthly summary of the cardholder’s accumulated unpaid consumption transaction principal, cash withdrawal transaction principal, fees, etc., calculates interest, and calculates the cardholder’s The date on which the current payment amount is due.

The repayment due date of CCB overdraft card refers to the date after which the cardholder should repay all the repayment amount or the repayment amount specified by CCB.

The interest-free repayment period of CCB overdraft card: refers to the consumption transactions that can enjoy interest-free treatment on the premise that the cardholder repays all the repayment amount before the due repayment date (inclusive) The time between the bank accounting date and the repayment date.