Generally, you can apply for a limit increase after using a CCB credit card for 3 months. However, the limit increase that can be applied for at this time is the temporary limit. If you want to apply for an increase in the fixed limit, you need to use the credit card for 6 months before you can apply. , and the application may not be approved.

In addition, the automatic limit increase time for CCB credit cards is not fixed. As long as you maintain good card usage habits, pay back on time, do not overdue easily, and use your credit card more often, the limit increase will still be very easy. Fast.

CCB Credit Card is a credit card issued by China Construction Bank. All credit cards issued by China Construction Bank are named "Dragon Card", and the types include: Dragon Card Prestigious School Card, Dragon Card Business Card, Dragon Card Car Card, etc. Credit card categories are divided into: regular card, gold card and platinum card.

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. Until the repayment date, the minimum is 20 days and the maximum is 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. Charge late fees.

Assume that your bill date is the 17th of a certain month, and the repayment due date (taking 30 days in a month as an example) is the 7th of the next month (if the month has 31 days, it will be the 6th of the next month) The day and month are calculated accordingly).

If you spend 10,000 yuan on April 15th, and the payment is credited to your account on that day, the bank accounting date will be April 15th, because your statement date is April 15th. On April 17th, the repayment due date is May 7th, 20 days after the bill date, and the longest interest-free period for this consumption is 23 days;

If you spend $10 on April 18th, 000 yuan, and the consumption amount is credited to your account on the same day, the bank accounting date is April 18. Since the consumption amount should be debited on the billing day of May 17, it is not until the due date of repayment. There are 50 days on June 6th, so the maximum interest-free period for this purchase is 50 days.

During the recycling period:

Revolving credit generally means that the credit limit of a credit card can be recycled. As long as the customer can repay the credit limit in time (including repayment according to the minimum repayment method) after each use, it can be used repeatedly and there is no need to apply before each use. Revolving credit is the inherent attribute and main function of credit cards, which brings convenience to cardholders.

Interest calculation for revolving credit:

Each consumption amount in the previous statement is the interest-bearing principal, from the date the account is recorded until the account is paid off The number of interest accrual days is the number of days to accrue interest; the revolving credit interest rate is uniformly stipulated by the People's Bank of China, with a daily interest rate of 5/10,000, and compound interest is calculated on a monthly basis. Interest on the revolving credit will be stated on your next bill.