The maximum number of days that a CCB credit card exceeds the latest repayment period is not considered overdue. Credit cards have a fixed billing date every month, and 20 days after the billing date is the final repayment date. If the repayment is made in full and on time, the consumption will enjoy an interest-free period. If the repayment is not made in full and on time, interest will be accrued on the consumption at a rate of 5/10,000ths per day from the date of entry into the account until it is paid off. In addition, China Construction Bank has a repayment grace period service, which does not require application. That is, as long as you repay the money within 5 days after the final payment date, they will still count you as repaying it on time. For example, if your final payment date is the 22nd, and your payment arrives on the 27th, as long as you repay it in full, you will still enjoy the interest-free period for the current period. If the minimum repayment amount is paid during this period, no late payment fees will be incurred, but interest will be charged on the full amount of 0.05% per day from the date of entry into the account. But I would like to remind you that since the repayment is already late, it is recommended that you repay through China Construction Bank, so that the payment time will be faster. If you repay through another bank or a third party, you won’t be able to tell when the payment will arrive.

The latest number of days for CCB credit card repayment. The credit card grace period is generally 2 to 3 days.

The credit card grace period means that the cardholder can repay the loan within a period of time after the due payment date. At the same time, by applying to the credit card center, the corresponding interest and late payment fees can be reduced or exempted without being recorded as bad credit by the bank. Record.

If you do not repay in full before the payment due date and do not choose the minimum repayment amount on your credit card, you will face:

All consumption payments will no longer be interest-free. For repayment treatment, the bank will calculate interest on a daily basis from the day the consumption occurs, using the consumption amount as the principal, with a daily interest rate of 5/10,000 and compound interest on a monthly basis;

Receive a reminder call from the bank , reminder letter;

Freeze the account and feed back the debt record to the People's Bank of China to be recorded in the credit file, affecting personal credit;

Failure to repay the CCB credit card for a few days after the due payment Regarding the grace period of CCB credit cards, please specify the following points to remind cardholders to pay attention:

1. CCB credit card repayments have a humanized service, that is, a 3-day grace period. Within the time limit, as long as the repayment is received within 3 days after the final repayment date, the repayment is considered on time. For example, if the 22nd is the last repayment day and the repayment is on the 25th, the current consumption will still enjoy the interest-free period;

2. If the minimum repayment amount is paid during this period, no late payment fees will be incurred, but interest will be charged on the consumption bill at a rate of 50,000 per day from the date of entry;

3. In addition Please be reminded that since the final repayment date has passed, if you want to repay during the grace period, try to repay through China Construction Bank. This can guarantee the arrival time. If you repay through a third party or another bank, the arrival time is uncertain. .

How many days can a CCB credit card be overdue?

1. Credit cards generally have a three-day grace period after the repayment date. Repayment within the grace period is deemed to be repayment on time; 1. If it is paid off in full, no fees will be incurred; 2. Repayment amount If the repayment is less than the minimum repayment stipulated by the bank, it will be considered overdue, and the interest rate will be 0.05%. In addition, a late fee of 5% of the unpaid portion of the minimum repayment will be charged; 3. The repayment amount is greater than or equal to the minimum repayment, but less than the full amount. If you repay the loan, you will need to pay interest at 0.05%;

2. If you repay beyond the grace period, it will be considered overdue: the interest rate will be 0.05%, and there will also be a late payment fee.

3. Calculation method of late payment fees for CCB credit cards. CCB credit card late payment fees are calculated as 5% of the unpaid portion of the minimum repayment. The minimum is RMB 5 for RMB accounts and USD 1/EUR for foreign currency accounts, on a monthly basis. Calculate revenue.

What is the latest repayment period for CCB credit cards? This depends on your statement date and final repayment date. If your bill date is before the 6th, for example, the 5th, and the final payment date is the 25th of this month, then you only need to pay off the consumption before December 25th. If your bill date is after the 6th, for example, the 7th, and the final payment date is the 25th of this month, then you need to pay it before the 25th of this month.

What is the latest repayment date for CCB credit card? If you do not apply for installment on a credit card, the latest repayment date is three days after the repayment date, and there is a three-day grace period. If the three-day grace period passes, the credit card will be overdue, resulting in a bad credit record.

The consequences of an overdue credit card are:

1. The bank credit card banking center will charge late payment fees and interest:

1. The late payment fee is calculated as 5% of the unpaid portion of the minimum repayment amount, with the minimum charge People, 10 yuan or 1 US dollar

2. At the same time, the bank will also charge an interest of 50,000 per day on the entire bill.

2. Impact on credit:

1. Overdue within one month is considered overdue. As long as it is overdue, even once, it will be more difficult to increase the credit limit;

2. If you are overdue three times in a row or six times in total, you will have a bad credit record, and it will be difficult to get a loan or apply for a credit card in the future;

3. If you are overdue for a certain amount and time, the bank will freeze the credit card.

Overdue repayment problem with CCB credit card, super urgent! Hello, host, first of all, please keep your heart in mind. We have all encountered your problem, and it can be said that it is not a big problem. The solution is that you can still repay the minimum payment next month. Of course, it is best if you can afford to repay it all at once, so that you will not be charged loop interest. The loop interest is accrued from the day you consume. , as long as you fail to pay off the full amount within the specified date, interest of 0.05% will accrue. Usually, if the monthly payment is calculated as 2,000, you will need to pay back more than 20 yuan more, haha. So if you can pay it back earlier, or pay it back more at once, I wish you a happy use of the card. By the way, I owe more than you do, about four times as much, so your problem is very minimal.

How long does it take for a CCB credit card repayment to be overdue to be considered a breach of trust? If it is overdue, it is considered a breach of trust. Failure to repay within the stipulated period will incur late payment fees and interest, and affect your credit history. The late payment fee is 5% of the unpaid portion of the minimum repayment amount, with a minimum of 5 yuan. Interest is calculated based on daily interest rate of 0.05% from the transaction entry date. The longer the overdue period, the greater the impact on your credit record. Never be overdue and make sure to repay on time every month.

Legal basis:

Article 196 of the "Criminal Law" stipulates that under any of the following circumstances, anyone who conducts credit card fraud activities and the amount is relatively large shall be sentenced to a fixed-term imprisonment of not more than five years Imprisonment or criminal detention, and a fine of not less than 20,000 yuan but not more than 200,000 yuan; if the amount is huge or there are other serious circumstances, the sentence is not less than five years but not more than 10 years of fixed-term imprisonment, and a fine of not less than 50,000 yuan but not more than 500,000 yuan; If the circumstances are particularly serious or there are other particularly serious circumstances, the sentence shall be not less than 10 years in prison or life imprisonment, and a fine of not less than 50,000 yuan but not more than 500,000 yuan, or property confiscation:

(1) Using counterfeit credit cards , or using a credit card fraudulently obtained with false identification;

(2) Using an invalid credit card;

(3) Pretending to use another person’s credit card;

(4) Malicious overdraft.

The term "malicious overdraft" as mentioned in the preceding paragraph refers to the cardholder's behavior of overdrafting beyond the prescribed limit or within the prescribed period for the purpose of illegal possession and failing to return the card after being called upon by the card-issuing bank.

Whoever steals a credit card and uses it shall be convicted and punished in accordance with the provisions of Article 264 of this Law.