The repayments for the two credit cards of China Construction Bank are to be paid separately.

Currently, only China Merchants Bank and China Minsheng Bank can use one bill for multiple credit cards and repay them uniformly. Except for China Merchants Bank and Minsheng Bank, multiple credit cards from other banks have separate bills and independent repayments.

Multiple credit cards applied by one person from the same bank have a maximum limit and will not be increased. For example, if you hold two credit cards from a certain bank with a credit limit of RMB 1,000, then these two credit cards will use the same credit limit of RMB 1,000. When you use a certain card to make an overdraft consumption of RMB 800, you will use another credit card. One card can also be used for overdraft consumption of 200 yuan.

However, in most banks, the repayments for multiple credit cards must be on the corresponding cards respectively, that is, the limit cannot be fully used for repayment. Because the total amount is in your top-level account, but your consumption amount is in your clearing account, each card has its own independent clearing account.

Extended information

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

If you fail to repay in full before the due payment date, you will not enjoy the interest-free period. China Construction Bank will charge interest at a daily rate of 5/10,000 and compound interest on a monthly basis. The interest accrual date is from the date of consumption to the repayment date, and the interest accrual principal is calculated based on the actual amount payable.

If you fail to repay before the due payment date or the repayment amount is less than the minimum repayment amount, China Construction Bank will not only charge interest according to regulations, but also charge the unpaid portion of the minimum repayment amount. 5% late payment fee is charged.

Baidu Encyclopedia--CCB Credit Card

China News Network--Should multiple credit cards of the same bank be repaid separately or collectively

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