CCB’s credit card has a fixed billing date every month, and 20 days after the billing date is the final repayment date. After the current bill is settled, the total repayment amount and the minimum repayment amount will be displayed on the bill. If you repay the bill amount in full before the final payment date, you will enjoy an interest-free period for your consumption. If the payment is not repaid in full and on time, the consumption will not enjoy the interest-free period, and the bank will charge interest on the full amount at 50,000 per day from the date your consumption is recorded. If you fail to repay the minimum payment amount on time, there will be a late payment fee. The late payment fee = (minimum payment amount - the amount paid as of the due payment date) × 5%, with a minimum of 5 yuan (1 US dollar/euro). This It is charged monthly. And the bank will also upload your card usage records to the People's Bank of China.

If your minimum repayment for the current period is 200 and you don’t pay back a cent, there will be a late payment fee of (200-0)*5=10. It is really very difficult to pay the minimum repayment on time. important.