The CCB credit card installment does not charge interest, but only charges handling fees.

CCB credit card bill installments generally include 3, 6, 9, 12, 18 and 24 installments. Depending on the number of installments, the handling rates charged are also different. The average fee per installment is generally 0.6%. to 0.8%. For example, if the installment amount is 1,200 yuan and you choose to repay it in 12 installments, the handling fee rate is 0.6% per month, so the actual monthly repayment amount is: 100 yuan + 1,200 yuan * 0.6% = 107.2 yuan.

The number of periods is divided into: 3 periods, 6 periods, 12 periods, 18 periods, and 24 periods

The monthly handling rate comparison is: 0.75% 0.70% 0.60% 0.60% 0.62%

Monthly handling fee = total installment amount * handling rate, which will be recorded and collected on each billing date after the installment. Otherwise, it will be considered overdue and will be included in the credit reporting system as a bad record. Extended information

If the user can repay within the specified repayment date after swiping the card with a credit card, there is no need to pay interest. However, if the repayment operation is not carried out by the specified date, the payment will be deducted from the consumption date. Interest will be calculated at a daily interest rate of 0.05% starting from that day, and China Construction Bank will treat the credit card user as overdue, which will affect personal credit.

If the full repayment cannot be made within the specified period, CCB credit card users can apply for installment repayment. There is no need to pay interest for installment repayment, but a certain handling fee will be charged according to the number of installments. Single consumption For amounts above 1,000 yuan, you can apply for installments with three periods: 3, 6, and 12, and the corresponding handling fees are 0.7%, 0.6%, and 0.6% respectively.

China Construction Bank provides you with 13 billing dates. These 13 billing dates are 2, 5, 7, 10, 12, 15, 17, 19, 22, 23, 24, and 25. , 26th and 27th, 20 days after the bill date is the repayment date of China Construction Bank. For example, a credit card holder's bill date is the 7th of each month, then the repayment date is the 27th of each month.

You can apply to modify the billing date of China Construction Bank. Everyone has the opportunity to modify the billing date once a year. For example, the billing date of a credit card user is the 25th, and the repayment date is the 15th of each month. However, due to If a credit card user's monthly salary payment date is the 20th of each month, the user can apply to China Construction Bank to change the billing date to the 2nd of each month, so that the repayment date will be the 22nd of each month.

CCB Bank Credit Card-Instalment Card Collection Agreement and Terms