According to Article 20 of the Credit Card Charter:
If the cardholder repays all the payable funds before the due repayment date (inclusive), the amount of consumer transactions in the current period on the current statement shall enjoy interest-free treatment. The interest-free repayment period will be notified by the bank separately.
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.
Extended data:
According to Article 20 of the Credit Card Charter:
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.
Personal cardholders who repay RMB arrears can deposit or transfer cash to their personal bank settlement account. Transfer from the unit deposit account shall comply with the relevant provisions of the Measures for the Administration of RMB Bank Settlement Accounts;
To repay the foreign currency arrears, it is necessary to deposit or transfer the foreign currency cash it holds or purchases foreign exchange according to regulations from its foreign exchange savings account opened in the bank, or apply to the bank for repayment by purchasing foreign exchange. The foreign currency repayment business shall comply with the relevant provisions of the State Administration of Foreign Exchange.
China Construction Bank-Credit Card Articles of Association
China Construction Bank-Credit Card Articles of Association