How to calculate the repayment date of CCB credit card

The repayment date of CCB credit card is the 20th day after the bill date. For example, your credit card bill date is the 13th of each month (fixed ), the repayment date is the 20th day after the bill date, that is, around the 3rd of each month (there are 30 and 31 days in each month), that is to say:

If: March 12 --April 13th is a billing cycle. Card consumption in this cycle will generate a bill on April 13th, and May 3rd is the final repayment date. April 12th to May 13th is a billing cycle. Card consumption in this cycle will generate a bill on May 13th, and June 2nd is the final repayment date. And so on.

So, if you swipe your card on the bill day, the interest-free period will be the shortest, only 20 days (swipe the card on April 13, and repay on May 3). If you swipe your card on the bill date, the interest-free period will be the longest, with 50 days (swipe the card on April 13, repay on June 1). The maximum repayment period for CCB credit cards is 50 days. After the central bank launched the time tolerance policy, China Construction Bank provided cardholders with a 5-day repayment grace period service. When cardholders repay within the repayment grace period, they will be deemed to have repaid on time. Therefore, in fact, the maximum repayment period for CCB credit cards is 55 days, that is, 25 days after the credit card statement.

In addition, the credit card repayment date can be adjusted according to your own situation.

The repayment due date is also called the final repayment date. If you do not repay in full before the repayment due date and do not choose the minimum repayment amount of your credit card to repay, you may face The penalties are:

1. All consumption payments will no longer enjoy the interest-free repayment treatment. The bank will calculate interest on a daily basis based on the consumption amount as the principal from the day when the consumption occurs, with a daily interest rate of 0.05%. Collect compound interest on a monthly basis;

2. Receive reminder calls and letters from the bank;

3. Freeze your account and feedback your debt record to the people The bank will record it in your credit file, which will affect your personal credit;

If you really do not have enough money to repay in full on the due date, then please choose the minimum repayment amount on your credit card to repay. In this way, you only need to repay 10% of the total cost in each installment. This way, although there is no interest-free repayment period, you can avoid personal credit damage.

Reference: Baidu Encyclopedia-Credit Card Repayment Due Date

When is the repayment date for China Construction Bank’s credit card?

The repayment due date for China Construction Bank credit card is 20 days after the statement date. For example, the 5th of each month is the billing day, and the payment due date is the 25th of the month.

1. China Construction Bank Credit Card Statement Date

The billing dates available for China Construction Bank Credit Card are: 2, 5, 7, 10, 12, 15, 17, 19, 22, 23rd, 24th, 25th, 26th and 27th; the cardholder’s statement date can be viewed on the monthly statement. The statement date of China Construction Bank's credit card can be adjusted, but the statement date can only be modified once in a calendar year.

2. Explanation of credit card repayment names

1. Statement date: refers to the bank’s monthly cumulative unpaid consumption transaction principal, cash withdrawal transaction principal, and fees to cardholders etc. are summarized, interest is calculated, and the date on which the cardholder's current repayment amount is calculated.

2. Repayment due date: refers to the last date specified by the Bank when the cardholder should repay the entire repayment amount or the minimum repayment amount.

3. Interest-free repayment period: refers to banks that can enjoy interest-free treatment for consumer transactions on the premise that the cardholder repays the entire amount due before the due repayment date (inclusive) The time between the accounting date and the repayment date.

3. Calculation method of interest-free repayment period

1. The due payment date of China Construction Bank credit card is 20 days after the bill date. For example, the 5th of each month is the billing day, and the payment due date is the 25th of the month.

2. The interest-free repayment period starts from the bill date to the due payment date. The longest interest-free repayment period for China Construction Bank credit card is 50 days and the shortest is 20 days. You can enjoy the interest-free repayment period on the day after the bill date. to the maximum interest-free period.

How to calculate the repayment time of CCB credit card?

First of all, your billing date is recorded on the bill, which is fixed. The repayment date may or may not be fixed (depending on whether you cross the end of the month). For credit card consumption of 6.4, the final repayment date is 6.27. The following is only for card consumption. The billing period for cash withdrawals is the same, but the interest-free period is not applicable.

The CCB credit card repayment date is the 20th day after the bill date. According to what you said, your credit card bill date should be the 7th of every month (fixed), then the last repayment date is the bill date. On the 20th day in the future, that is, the 27th of each month, that is to say: May 8th to June 7th is a billing cycle, and the card consumption in this cycle will generate a bill on June 7th. June 27 is the final payment date.

June 8th-July 7th is a billing cycle. Card consumption in this cycle will generate bills on July 7th, and July 27th is the final repayment day. And so on.

So, if you swipe your card for consumption on the bill day, the interest-free period will be the shortest, only 20 days (swipe the card on June 7, and repay on June 27). If you swipe your card for consumption on the bill date, the interest-free period will be the longest, with 50 days (swipe the card on June 8 and repay on July 27). Be sure to know the billing date and repayment date of your credit card to avoid missing payments.

How is the billing date and repayment date of China Construction Bank's credit card calculated?

After the credit card is approved, the customer will have a fixed billing date (attached to the card when the customer receives it) The billing date will be indicated on the card letter, and multiple credit cards must use one billing date). The calculation formula for the billing date corresponding to the repayment date:

1. The billing date is the 1st-10th, and the corresponding repayment date is the billing date + 20th, which is the 21st-30th of the month. Tip: If the repayment date is the 29th or 30th of this month, it will be fixed on the 1st of the next month)

2. The billing date is from the 12th to the 28th, and the corresponding repayment date is the bill Day-11 is the 1st-17th of the next month.

Note: The billing date and repayment due date shall be subject to the bill listing

(In case of business changes, please refer to the actual date.)

That’s all for the introduction on how to calculate the CCB credit card repayment date.