Yes, you can.
Credit card repayment must first bind my debit card, and then deposit the corresponding amount into the debit card before the repayment date.
After the debit card is bound, the specific credit card repayment method and term are as follows:
If paid off in full, there will be no cost;
There is generally a three-day grace period after credit card repayment, and repayment within the grace period is regarded as timely repayment;
If the minimum repayment amount is paid, the daily interest needs to be calculated, starting from the consumption bookkeeping date;
If the repayment exceeds the grace period or the repayment amount is lower than the minimum repayment amount stipulated by the bank, the interest will be calculated from the bookkeeping date, and a late fee of 5% of the minimum repayment amount will be charged monthly;
The specific daily interest rate may vary with different credit cards.
Debit card binding can be done through credit card official website, as follows:
Open the bank credit card official website and select personal online banking to log in;
After successfully logging in to personal online banking, select Credit Card in the main menu. When the bank card is not bound with a credit card, the option of adding a new account will appear at the bottom of the page;
Fill in the credit card related information carefully;
After completion, you can bind the credit card and bank card.
The CCB credit card has only paid the minimum repayment amount. Can I still swipe my card? It does not affect the credit card, but the minimum repayment amount will generate interest. The available credit card balance is the balance of the original credit card plus the (minimum) amount you repay.
First, tell the landlord some common sense about the minimum repayment amount of CCB credit cards.
Bookkeeping date: the date when the issuing bank regularly collects and settles the current transactions and expenses of the cardholder's credit card account every month and calculates the current interest and payable amount of the cardholder.
Maturity repayment date: the latest date when the issuing bank stipulates that the cardholder should repay all the payable or minimum repayment amount, and the general repayment date is the 20th day after the bill date.
Minimum repayment amount: the minimum amount that the cardholder should repay in the current period as stipulated by the issuing bank. The minimum repayment amount in this period is the sum of the following amounts: 65,438+00% of the consumption amount within the credit line in this period, all the consumption amount exceeding the credit line, 65,438+000% of the installment payment amount, 65,438+00% of the cash advances within the credit line in this period, all the outstanding minimum repayments in the previous period and all the payments in this period.
After the bill date, the bank will count how much you should pay back this period. The money you spend after the bill date has nothing to do with this period, and the bank will count it in the next period.
And your minimum repayment amount, as long as you pay the money from the billing date to the final repayment date, is all the money you pay in the current period. As long as the total is higher than the minimum repayment amount, it will be paid 100 on the 4th and 100 before the 9th.
Finally remind the landlord that if you have money, you'd better pay it all off. If you swipe 1000, the bank will allow you the minimum repayment amount of 100, but after the final repayment date, the bank will start to charge you the interest of 1000. Even if you pay back 999 yuan, the difference is 1 yuan, and the bank will calculate you as 1000.
Therefore, if you have money, you will pay it all off, and if you have no money, you will pay the minimum amount.
Hello, landlord, the total amount you need to repay is 1824.89 yuan, and the minimum repayment amount is 786.59 yuan. If you have paid the minimum payment of 786.59 yuan before 1.8, you still have 1038.3 yuan in the current bill. From the first day of the due repayment date, interest will be charged at the rate of 0.5 ‰ per day until you pay off the remaining debt 1038.3 yuan. That is, the daily interest is about 0.5 19 15 yuan. Count how many days you have. If you don't pay it back before the next repayment date. That is, a month. The interest should be between 15- 16 yuan, plus the principal. Between 1053- 1054 yuan! Unpaid in this period is included in the next bill!
The minimum repayment amount is in exchange for high interest without affecting the credit, which is generally 10% of the full amount.
Calculation method of minimum repayment amount of credit card of China Construction Bank;
The minimum repayment amount of CCB's credit card = the consumption amount within the credit line × 10%+ the cash withdrawal amount of the credit card × 10%+ the unpaid part of the previous minimum repayment amount × 100%+ the transaction amount exceeding the credit line × 100%+ all expenses and interest ×/kloc-0.
In general, the minimum repayment amount is 65438+ 00% of the credit card amount this month. However, as can be seen from this formula, if you withdraw cash this month, you should add 10% of the withdrawal amount and the interest and expenses to be borne by the withdrawal amount. And the full amount of the minimum repayment amount on the previous billing date, and the full amount of the transaction amount exceeding the limit.
If the repayment amount before the due repayment date is greater than or equal to the minimum repayment amount and less than the current repayment amount, only interest needs to be paid; If it is lower than the minimum repayment amount, in addition to interest, it will also pay a late fee, which will affect the credit record.
Can I withdraw cash after the credit card has only paid the minimum repayment amount? The credit card only pays the minimum repayment amount. If there is any withdrawal amount, you can withdraw it. Withdrawing cash is called "cash advance".
① The amount of cash that can be borrowed in advance is 1/3 of the full amount of the credit line, and the sum with the total amount of the contracted account shall not exceed your credit line, and some banks have restrictions on the amount of cash borrowed in advance every day;
② Some domestic banks are limited to 50% credit line;
(3) within a limited amount, cash can be obtained quickly without any guarantee;
4 There is no interest-free repayment period for cash borrowed in advance by credit card, and interest is calculated from the day of withdrawal;
⑤ The interest rate of cash borrowed in advance is very high, with a daily interest rate of five ten thousandths;
The handling fee is very high. The general handling fee is above 1%, which is charged at one time.
Is there any interest on the minimum repayment amount of CCB credit card? Yes CCB's credit card is still the lowest and will not affect credit. However, all transactions in the current bill will inevitably generate interest. From the entry date of each transaction, the interest shall be paid in full, with a daily interest rate of five ten thousandths, until it is fully paid off. Although interest is charged, the interest is not high and affordable. The most important thing is that it will not affect credit. Therefore, in an emergency, you can still choose the minimum repayment amount, which is quite urgent.
What is the minimum repayment amount of CCB credit card? The minimum repayment amount of CCB's credit card refers to the minimum amount that the cardholder should repay, including a certain proportion of the accumulated outstanding consumer transaction principal and the cash withdrawal transaction principal, all expenses, interest, the amount owed beyond the credit limit, and the sum of the unpaid part of the minimum repayment amount last month.
Calculation method of minimum repayment amount of CCB credit card: If you choose the minimum repayment amount, you will no longer enjoy interest-free repayment. The minimum repayment amount of CCB's credit card generally includes the following aspects: the consumption amount within the credit line × 10%+ the cash withdrawal amount of the credit card × 10%+ the unpaid part of the previous minimum repayment amount × 100%+ the transaction amount exceeding the credit line × 100%+ all expenses and interest ×/. Non-cash withdrawal transactions of CCB credit cards include installment payment transactions, ordinary credit card consumption transactions and online credit card transactions.
The formula for calculating the minimum repayment amount is very complicated. I suggest you call after the bill every month.