After the temporary limit expires, the part of 3000 is included in the minimum repayment amount. If repayment is stressful, you can choose the minimum repayment amount. As long as the minimum repayment amount is enough, it will not affect your credit.
The interest-free period of consumer transactions enjoyed by cardholders who repay in full on time is from the bank bookkeeping date to the repayment date, with a minimum of 20 days and a maximum of 50 days. Overdraft cash withdrawal transactions do not enjoy interest-free repayment period.
If the repayment is not made in full before the due repayment date, the interest-free period will not be enjoyed. The Construction Bank will charge interest at a daily interest rate of 0.5 ‰ and compound interest monthly. The interest-bearing date is from the date of consumption to the date of repayment, and the interest-bearing principal is calculated according to the actual amount payable.
If the repayment is not made before the due repayment date or the repayment amount is lower than the minimum repayment amount, the Construction Bank will charge 5% of the overdue fine for the unpaid part of the minimum repayment amount in addition to the interest as required.
Extended data:
During the cycle turnover:
Revolving credit generally means that the credit limit of a credit card can be recycled. As long as the customer can repay the amount in time after each use (including the minimum repayment method), it can be reused without applying before each use. Revolving credit is the inherent attribute and main function of credit card, which brings convenience to cardholders.
Interest calculation of revolving credit:
The consumption amount of the last statement is the interest-bearing principal, and the interest-bearing days are from the account bookkeeping date to the account repayment date; The interest rate of revolving credit shall be uniformly stipulated by the People's Bank of China, and the daily interest rate shall be 0.5 ‰, with monthly compound interest. The interest on the revolving loan will be stated in the next bill.
Baidu Encyclopedia-CCB Credit Card