For example, on the 5th of the billing date and the 24th of the repayment date, you 1 spend RMB 3,000, on the 4th 1000, and repay 400 yuan on the 24th. The calculation is as follows: 3000X0.05%X24 (days)+1000X0.05%X20 (days).
As of the repayment date of this bill, your CCB credit card has generated 46 yuan interest (and will continue to charge five ten thousandths of interest every day).
: Article 22 of the Credit Card Articles of Association of China Construction Bank? When the cardholder fails to repay or the repayment amount is lower than the minimum repayment amount, the bank will charge a penalty of 5% of the unpaid part of the minimum repayment amount, and the minimum 5 yuan RMB or USD 65,438+0 or EUR 65,438+0 is the same currency as the corresponding minimum repayment amount. If there are other provisions in the agreement, such provisions shall prevail.
Article 23 of the credit card articles of association of China Construction Bank? If the cardholder pays by installment, the installment principal and the current installment fee shall be fully included in the current minimum repayment amount.
For the money returned by the cardholder, the bill is paid first, and then the bill is not paid, and the arrears are paid item by item in the order of cost, interest and principal. If the overdue payment exceeds 9 1 day (inclusive), the arrears shall be paid off item by item in the order of principal, expenses and interest.
If there are more than one credit card in the cardholder's name, the arrears should be repaid by different cards.
China Construction Bank-Credit Card Articles of Association