If you borrow 5,000 with a China Construction Bank credit card, the handling fee is 25 yuan, and the daily interest is 2.5 yuan. The number of days of borrowing will be added to the handling fee. For example, if you borrow for 10 days, the interest will be 25 yuan, and the handling fee will be 50 yuan. The repayment amount after ten days will be 5,050 yuan.
The handling fees and interest regulations for overdraft withdrawals of China Construction Bank's credit cards are as follows:
1. Handling fees
1. Handling fee standards for Bank of China credit card cash withdrawal operations at the counter :
For domestic banks, the minimum transaction amount is RMB 10 yuan or USD 1 for 1% of the transaction amount;
For overseas branches or member banks of international organizations, the transaction amount is 3%, with a minimum of USD 3.5 ( Other fees incurred for withdrawing cash at overseas non-CCB outlets shall be borne by the cardholder)
2. Charges for withdrawing cash with CCB credit cards at ATM machines:
For domestic banks, the transaction amount is 1, with a minimum of RMB 8;
For other banks, the transaction amount is 1, with a minimum of 12 yuan;
For overseas, the transaction is 3, with a minimum of 3.5 Dollar.
2. Interest
Cash withdrawals from other places with CCB credit cards do not enjoy the interest-free period. From the date of withdrawal, overdraft withdrawal interest of 0.5% will be charged every day until it is paid off.
The consequences of an overdue credit card are:
1. The bank credit card banking center will charge late fees and interest:
1. The late fee is based on the unpaid portion of the minimum repayment amount Calculated at RMB 5, the minimum charge is RMB 10 or 1 US dollar
2. At the same time, the bank will also charge an interest of 50,000 per day on the entire bill.
2. Impact on credit:
1. Overdue within one month is considered overdue. As long as it is overdue, even once, it will be more difficult to increase the credit limit;
2. If you are overdue three times in a row or six times in total, you will have a bad credit record, and it will be difficult to get a loan or apply for a credit card in the future;
3. If you are overdue for a certain amount and time, the bank will freeze the credit card.