According to the repayment rules of China Construction Bank's credit cards, the interest-free repayment period that can be enjoyed after overdraft consumption with CCB's credit cards is 20-50 days.

The repayment due date of China Construction Bank credit card is the last date on which CCB credit card holders can repay the current bill. If the repayment is made in full before this date, interest will be exempted on the amount owed to the bank for current transactions (excluding cash withdrawals); if this period is exceeded, interest and interest will be paid on the amount owed to the bank for current transactions (such as consumption, etc.) Other related expenses.

The repayment due date for China Construction Bank credit cards is generally 20 days after the bill date (as shown on the bill). The billing date will be determined when applying for a credit card and can be modified once a year. The billing dates available include 2, 5, 7, 10, 12, 13, 15, 17, 19, 22, 23, 24, 25th, 26th and 27th.

Construction Bank credit card holders can enjoy interest-free consumption transactions by repaying the entire amount due from the bank’s accounting date to the due repayment date (inclusive). This period is called Interest-free repayment period; if the cardholder does not repay in full before the due repayment date (only pays the minimum repayment amount or above), China Construction Bank will charge a certain recurring interest on all consumption amounts in this period, but will not Affects personal credit record; if the cardholder fails to repay before the due repayment date or the repayment amount is lower than the minimum repayment amount, China Construction Bank will charge certain recurring interest and late payment fees on all consumption amounts in the current period, and will be charged on the personal A stain on your credit record.

The minimum repayment amount of China Construction Bank credit card is calculated separately for RMB accounts and foreign currency accounts. The calculation formula is:

The unpaid portion of the minimum repayment amount of the previous period has been accounted for in installments, the accumulated unpaid fees and interest are 10% of the accumulated unpaid cash withdrawal amount, 10% of the accumulated unpaid consumption amount, and the transaction amount exceeding the credit limit ( Including fees and interest) - 10% of the consumption principal for error processing - 10% of the cash withdrawal principal for error processing = minimum repayment amount

If the calculated minimum repayment amount is less than 200 yuan (or 50 USD/EUR), the minimum repayment amount is calculated as 200 RMB (or 50 USD/EUR); if the total repayment amount is less than 200 RMB (or 50 USD/EUR), the minimum repayment amount is equal to the entire repayment amount Forehead.

If the full repayment and cash overdraft are not made before the due repayment date, China Construction Bank will charge interest at a daily interest rate of 0.5% and compound interest on a monthly basis. The interest accrual date is from the transaction accounting date to the repayment date, and the interest accrual principal is calculated based on the actual amount owed.

CCB credit card overdraft withdrawals do not enjoy the interest-free repayment period, and interest is calculated at a daily interest rate of 5/10,000, calculated from the bank overdraft withdrawal recording date to the day before the actual repayment recording date. Overdraft interest is compounded monthly. If the actual repayment date is after the bill has been issued, the interest accrued between the actual repayment date and the bill date will be listed in the next bill. If the accrued interest amount is less than 1 point, it will not be shown on the bill and does not need to be returned.

In addition, in order to facilitate cardholders to handle repayment, when the difference between the repayment amount and the total repayment amount is within 10 yuan (2 US dollars / euro), you can still enjoy the interest-free repayment treatment; When the difference between the repayment amount and the minimum repayment amount is within 20 yuan (5 US dollars / 4 euros), no late payment fee will be charged.