1. Inquire through the official WeChat account of China Construction Bank: Users search for "China Construction Bank" through WeChat, pay attention, enter the official WeChat account of China Construction Bank, and click "Credit Card" in the menu bar below to see the "Bill/Repayment/Limit Management" option. After selecting this option, the user can see the credit limit of the personal credit card after binding it.

2. Inquire through China Construction Bank official website: The user enters the computer official website of China Construction Bank, and then registers or logs in a personal account. After the user logs in, click the credit card option on the home page, and then select "limit adjustment" to query the credit card limit.

3. SMS inquiry: users can use the reserved mobile phone number filled in at CCB to send information to 95533 to inquire about the credit card limit.

4. Telephone inquiry: The user dials the customer service hotline of China Construction Bank, and then consults the manual customer service according to the voice prompts to find the credit card limit.

CCB Credit Card is a credit card issued by China Construction Bank. The credit cards issued by China Construction Bank are all named "Longka", including: Longka Famous School Card, Longka Business Card and Longka Automobile Card.

interest

Interest-free repayment period: Interest-free repayment period refers to the interest-free period of consumer transactions enjoyed by cardholders who repay in full on time. The interest-free period is from the bank bookkeeping date to the repayment date, with a minimum of 20 days and a maximum of 50 days. Overdraft cash withdrawal transactions do not enjoy interest-free repayment period.

Tip:

If you don't repay in full before maturity, you won't enjoy the interest-free period. The Construction Bank will charge interest at a daily interest rate of 0.5 ‰ and compound interest monthly. The interest-bearing date is from the date of consumption to the date of repayment, and the interest-bearing principal is calculated according to the actual amount payable.

If the repayment is not made before the due repayment date or the repayment amount is lower than the minimum repayment amount, CCB will charge interest as required, and at the same time charge a late fee of 5% of the minimum repayment amount.

The calculation example shows that:

Suppose your bookkeeping date is 17 of a month, and the due repayment date (for example, the 30th of a month) is 17 of the next month (if the month is 3 1 day, it is 16 of the next month, and the year and month are calculated accordingly).

If you spend 65,438+00,000 yuan in April, 65,438+05, and this consumption is credited to your account on the same day, the bank bookkeeping date is April, 65,438+05, because your bookkeeping date is April, 65,438+07, and the due repayment date is May 7, the longest interest-free period for this consumption is 23 days.

If you spend 65,438+00,000 yuan in April, 65,438+08, the consumption amount will be credited to your account on the same day, and the bank bookkeeping date will be April, 65,438+08. Since the consumption amount should be recorded on May 65, 438+07, there are still 50 days before the due repayment date on June 6, and the longest interest-free period of this consumption is 50.

During the cycle turnover:

Revolving credit generally means that the credit limit of a credit card can be recycled. As long as the customer can repay the amount in time after each use (including the minimum repayment method), it can be reused without applying before each use. Revolving credit is the inherent attribute and main function of credit card, which brings convenience to cardholders.

Interest calculation of revolving credit:

The consumption amount of the last statement is the interest-bearing principal, and the interest-bearing days are from the account bookkeeping date to the account repayment date; The interest rate of revolving credit shall be uniformly stipulated by the People's Bank of China, and the daily interest rate shall be 0.5 ‰, with monthly compound interest. The interest on the revolving loan will be stated in the next bill.

The calculation example shows that:

Suppose your bookkeeping date is the 7th of each month and the due repayment date is the 27th of each month. If you spent 10000 yuan on March 20, and this amount was credited to your credit card account on March 23 (that is, the billing date), then on April 7, your statement will list: the total repayment amount in this period is 10000 yuan, and the minimum repayment amount is 1000 yuan. If there are no other transactions between April 8 and May 7, and you paid the minimum repayment amount of 65,438 yuan+0,000 yuan on April 27, the bill on May 7 will include 9,000 yuan and interest of 225 yuan.

How to inquire about the credit card limit of CCB owners?

Although the owner's credit card can enjoy the owner's preferential rights such as refueling, road rescue and car washing. But no matter what kind of card, first of all, the credit card, we are still very concerned about the amount of this credit card. Today, I would like to introduce to you the general credit limit of CCB owners' credit cards.

According to the applicant's credit status and the financial certificate provided, the bank will give the initial credit limit, which is generally 6,543,800 yuan to 6,543,800 yuan.

Then, how to query the credit limit of CCB Longka automobile card, the specific operation mode is as follows:

1. Call the customer service hotline of CCB for enquiry.

Domestic: call the customer service telephone number of the credit card center at 800-820-0588 and 400-820-0588; Overseas: you can call 86-2 1-38690588 for consultation.

2, SMS query

When the SMS banking function has been enabled, edit the "last four digits of CXYE# account" with the contracted mobile phone and send it to 95533 for direct inquiry.

3, CCB business outlets query

To go to CCB outlets, you can choose to check at the counter or ATM, but you must bring your valid ID card and credit card, otherwise it will be a waste of time.

4. Inquiry of CCB in official website.

To sum up, the credit card limit of CCB owners is enough. I hope it works for you.

How to inquire about the credit card limit of CCB?

There are the following queries about available quotas:

1. Use the mobile phone number filled in when applying for a credit card to send a text message "CCED# last 4 digits" to 95533 to check your credit card limit;

2. You can check your credit card limit through CCB's ATM;

3. After opening CCB Online Banking, you can log in to CCB Online Banking to check your credit card limit;

4. You can manually check your credit card limit at the counter of China Construction Bank;

You can call the customer service hotline of China Construction Bank at 4008200588 to check your credit card limit.

In addition, we can check the following through SMS:

Inquire about the current bill of CCB credit card: send the last 4 digits of CCZD# to 95533 to inquire about the amount and repayment date of the latest bill of the designated card;

Inquire about the credit card balance of CCB: send the last four digits of CCYE# to 95533 to inquire about the account balance of the designated card as of the time of sending SMS;

Inquiry about credit card points of CCB: Send the last four digits of CCJF# to 95533 to inquire about the points of the designated card and the total points of the card under your name as of the day before sending the text message.