Proactively contact the bank to negotiate.
1. Time tolerance Time tolerance: When the cardholder fails to repay the loan in time when the credit card repayment date arrives, it will not be considered overdue as long as it is repaid within the time limit; Tolerance: The difference between the bill amount and the actual repayment amount. When the repayment is less than or equal to a certain value, the bank will assume that the cardholder has paid off. It is understood that China Construction Bank has canceled the tolerance amount after the credit card is overdue. The tolerance period is 3 natural days. Cardholders need to actively contact the bank to apply for this service before they can enjoy this service;
2. Overdue penalty interest When a CCB cardholder's credit card bill is overdue, CCB will charge monthly penalty interest equal to 5% of the unpaid minimum repayment amount; if the cardholder is unable to repay the minimum repayment amount, the cardholder can also negotiate with the bank to adjust the minimum repayment amount. Lower; As long as the bank allows, the minimum monthly repayment amount of the cardholder can be lower than 10.
3. Collection When collecting credit cards, the interval between two collections only needs to be 30 days; if the cardholder deliberately avoids it, the bank can make collections more frequently. At the same time, China Construction Bank also stated that if the cardholder's credit card is overdue and meets the conditions for CCB's personalized installment, he or she can negotiate with the cardholder for personalized interest-free installment repayment, with up to 60 interest-free installments available.
1. China Construction Bank, formerly the People's Construction Bank of China, was established on October 1, 1954 (later officially renamed China Construction Bank on March 26, 1996). The head office is located at No. 25 Financial Street, Beijing. It is a large state-owned bank managed by the central government and a national deputy ministerial level unit. China Construction Bank's main business areas include corporate banking, personal banking and treasury services. It has branches and subsidiaries in 29 countries and regions, and owns funds, leasing, trusts, life, property and casualty insurance, investment banking, futures, and pensions. subsidiaries in many industries.
2. China Construction Bank has a broad customer base, maintains banking business relationships with a number of large enterprise groups and leading enterprises in China's economic strategic industries, and its marketing network covers major regions across the country. On June 30, 2016, the British "Banker" magazine released the "Ranking of the World's 1,000 Largest Banks", and China Construction Bank ranked second. In February 2017, Brand Finance released the 2017 Global Top 500 Brands list, with China Construction Bank ranking 14th. In 2018, it ranked 31st among the Fortune Global 500.