CCB Credit Card has a fixed billing date every month, on which all the payable amount and minimum repayment amount will be settled, and then there will be a corresponding final repayment date. If the payment is made in full before the final repayment date, the consumer will enjoy an interest-free period. If you don't repay in full and on time, but only pay the minimum repayment amount, your personal credit will not be affected, but all your consumption will not enjoy the interest-free period, and the bank will charge interest in full at the rate of five ten thousandths per day from the date when your consumption is recorded. If the minimum repayment amount is not paid every month, there will be a late fee, and the late fee = (minimum repayment amount-the amount paid on the due repayment date) × 5%, and the minimum 5 yuan (1 USD/Euro). Moreover, the bank must upload your credit card records to the People's Bank of China, and if there is any overdue situation, they should also truthfully feedback to the People's Bank of China.

But don't worry, as far as I know, after the CCB card is overdue, it will pay off the money every month and maintain a good credit record. Then the credit report of the People's Bank of China will show the credit records of the past 24 months, that is, a good credit record will cover the previous overdue records. You don't always have this overdue record.