China Construction Bank provides credit card repayment grace period service, which is the third day after the due repayment date, and no application is required. If the customer repays within the repayment grace period, CCB will regard it as timely repayment. If the repayment on the same day is unsuccessful due to transfer time difference and other reasons, please ensure that the repayment amount arrives before 7:00 am on the third day after the due repayment date, and it is still regarded as normal repayment. ?

When the cardholder fails to repay or the repayment amount is lower than the minimum repayment amount, the bank will charge a penalty of 5% of the unpaid part of the minimum repayment amount, and the minimum 5 yuan RMB or USD 65,438+0 or EUR 65,438+0 is the same currency as the corresponding minimum repayment amount. If there are other provisions in the agreement, such provisions shall prevail.

Extended data:

If the cardholder fails to repay all the repayment amount before the due repayment date (inclusive), he can repay any amount not less than the minimum repayment amount, but the consumer transaction funds that should be repaid no longer enjoy the interest-free repayment treatment.

Cardholders who borrow cash in advance do not enjoy interest-free repayment. For transactions where the cardholder does not meet the interest-free conditions, the bank will calculate the interest from the bank bookkeeping date. The upper limit of daily interest rate is five ten thousandths, and the lower limit is 0.7 times of five ten thousandths (equivalent to the upper limit 18.25% and the lower limit is 0.7 times of 18.25%), and compound interest is calculated monthly.

Unless otherwise specified, the daily interest rate standard defaults to five ten thousandths. If there is any change in the relevant provisions of the People's Bank of China, such provisions shall prevail.

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