The grace period of CCB credit card is 3 days. Similar to other banks, the grace period of CCB is three days, and the cardholder must pay off the current credit card bill within the grace period to avoid overdue. If the credit card cannot be repaid in full within the grace period, it will be counted as overdue, which will affect the cardholder's personal credit information and ultimately affect the cardholder's lending business.

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1, accounting date

It means that the issuing bank regularly collects and settles the current transactions and expenses of the user's credit card account every month, calculates the total amount owed and the minimum repayment amount in the current period, and sends the statement. This date is the billing date of the credit card.

If the billing date is 10, the bank will settle the total non-cash transaction expenses of the credit card from last month 10 to current month 10 to form a bill and send it to the cardholder.

2. Repayment date

The due date of credit card repayment refers to the latest date when the credit card issuing bank requires the cardholder to repay the payable amount. In other words, after the issuing bank issues the bill, the cardholder should pay off all the expenses before the due repayment date.

If the repayment date is 28th, the amount owed on the bill number. 10 shall be paid before 28th of the current month.

3. Interest-free period

Refers to the cardholder's transactions other than cash and transfer settlement, from the bank bookkeeping date to the current bill repayment date.

In other words, the due repayment date is the last day of the interest-free repayment period. Before this, the repayment is interest-free, and interest and late fees will be charged if it is overdue. For each bank, the interest-free repayment period is different.

If the repayment date is 28th, the non-cash credit card transactions from June of last month 10 to June of that month 10, and the repayment on 28th, are all called interest-free period.

Credit card repayment method

1, within the issuing bank

This method includes: issuing bank counter, ATM, online banking, automatic transfer, telephone banking repayment, etc. The credit card limit will be restored immediately after repayment, and the money will generally be recorded after being processed by the system on the same day.

2. Micro-silver POS mobile phone

Weizhong Bank POS mobile phone is a personal payment terminal of mobile financial system, which can be used for direct repayment and transfer of credit cards. Arrive at the account immediately

3. Transfer/remittance repayment

Mainly divided into two ways: inter-bank in the same city and inter-bank in different places.

Whether it is transfer or remittance, the remittance bank will charge a certain fee, and the payment time and repayment convenience are not as good as those of peers, online repayment and convenience stores.