How to calculate the full penalty interest for overdue interest of CCB credit card is not humanized. Everything has advantages and disadvantages, and so does credit card. If you use it well, you can fully enjoy the long interest-free overdraft period and various benefits and rights, but it will make people unhappy if you encounter overdue credit card. Today, let's take a look at how to calculate the overdue interest of CCB credit cards. If the credit card holder fails to repay the loan on time within the final repayment period stipulated by the bank, the credit card will be overdue, which will not only discredit the cardholder's credit information, but also produce bad credit records, and there will be overdue interest. Take the construction behavior as an example to see how to calculate the overdue interest of credit cards. < /p > The calculation method of overdue repayment interest of CCB credit card is full penalty interest and revolving interest. As long as your CCB credit card is overdue, you will no longer enjoy the interest-free treatment, and you need to calculate the interest in full. From the date of consumption, the daily interest will be .5 ‰, and the compound interest will be calculated monthly until it is paid off. < /p > For example, the billing date of Kayou Xiaobai CCB Credit Card is 15th. During this month's billing cycle, there is a consumption of RMB 5, on 14th. Then the person's "current repayment amount" is 5, yuan, and the "minimum repayment amount" is 5 yuan. < /p > If he pays the minimum repayment amount of 5 yuan in 3 days, the specific calculation of the cyclic interest in the statement on 15th of the following month is as follows: 5 yuan××× 26 days (March 5th-March 3th) +(5 yuan -5 yuan )××× 6 days (31st-5th) = cyclic interest. < /p > how to calculate the overdue interest of CCB credit card? For example, choosing the minimum repayment amount will not bring bad credit records to cardholders, but interest is indispensable. In fact, except for the non-full interest-bearing method adopted by ICBC, all other banks adopt full interest-bearing method. In order to avoid the disadvantages of overdue credit cards, card friends still have to repay on time.