assuming that the consumption is divided into stages, the consumption stages can be divided into three stages, six stages, twelve stages, eighteen stages and twenty-four stages (one stage per month), and the corresponding handling fees

are .7%, .6%, .6%, .6% and .6% respectively. (Monthly handling fee = total installment amount * handling fee rate). 7, yuan, if it is repaid in 12 installments, the monthly repayment amount is 7,/12+7, * .6% = 625.33 yuan, including the handling fee.

handling the installment will generate handling fees instead of interest. If handling fees are calculated separately, the total handling fees for 12 months will be * * * 42*12=54 yuan

Regardless of consumption installment or bill installment, handling fees will be collected by months. For example, a consumption installment is 7, yuan, the handling fee rate for the third installment is .7%, and the handling fee rate for the sixth installment is .6%. For the third installment, the monthly fee = 7, * .7% = 49 yuan, and the total * * * for three months is 49*3=147 yuan, and the monthly fee = 7, * .6%. You will see "the current bill should be repaid" and "the minimum bill should be repaid". If you pay in full before the final repayment date, the consumption will enjoy interest-free treatment. If you choose to repay the "minimum repayment", then the consumption in this bill will not enjoy interest-free treatment, but it will not affect your personal credit. Interest of .5 ‰ per day will be charged for each consumption from the day of consumption, and it will be settled in the next bill. For example, there are three expenses in the bill: 1, yuan on April 12th, 5, yuan on April 13th and 5, yuan on May 2nd. The bill is settled on May 5th, and the payable amount is 2, yuan. The final repayment date is May 25th, and the minimum payable amount is 2, yuan. You can choose to repay 2 yuan on May 25th, the last repayment date. The interest is calculated as follows: 2 yuan will be calculated from April 12th to May 25th, when you repay the loan, at a rate of five ten thousandths per day, which is about 43 yuan. For the remaining 18, yuan that has not been repaid, interest of .5 ‰ per day will be charged from the day of consumption until you pay off the credit card of CCB

How long will it be overdue?

The credit card of CCB will be overdue for more than 3 days. CCB provides a 3-day grace period service for credit card repayment, which is the third day after the due repayment date without application. Repayment within the repayment grace period will be regarded as repayment on time.

in addition, if the repayment is not successful on the same day due to transfer time difference and other reasons, it is still regarded as normal repayment to ensure that the repayment amount arrives before 7: am on the third day after the due repayment date.

Failure to return the credit card of CCB on time or to pay the minimum repayment amount on time is regarded as overdue repayment. Because according to the requirements of the People's Bank of China, commercial banks must truthfully report the overdue status of customers' credit card accounts to the financial information database of the People's Bank of China.

overdue due to the cardholder's own reasons, regardless of the amount, must be reported. Non-personal static information is reported every month and updated after the data is loaded.