The bookkeeping date of CCB is 13 days per month, and the repayment date is 3 days per month, which is generally the latest. However, within the credit period, repayment within the grace period is regarded as timely repayment; 1. If it is paid off in full, no cost will be incurred; 2. As overdue, interest shall be charged at 5% of the unpaid amount of 0.05; 3. If the repayment amount is greater than or equal to 0.05% of the minimum repayment amount, it will be deemed as overdue: the interest is 0.05%, and there is a late payment fee.

2. Can I pay the down payment of the car by credit card?

Car loan down payment can be made by credit card. There are clear provisions for the down payment of car loans. You can't use consumer loans or overdraft credit cards to make up the down payment, but you can use credit cards to brush the down payment, which is allowed by banks, and banks also have credit cards to buy cars in installments. Users can apply directly to the bank when handling car loans, and repay according to the bill after the next payment is approved. If the user's qualification and credit status are average, you can also consider manufacturer finance or other private lending institutions. There are still opportunities, but the interest and borrowing costs are higher. If the car loan repayment is overdue, it will not only affect the personal credit, but also be handled by the platform trailer, and the vehicle will be sold off to pay off the debt, so the consequences are still quite serious. Car loan refers to the loan issued by the lender to the borrower who applies for buying a car. Automobile consumption loan is a new loan method that banks issue RMB-guaranteed loans to car buyers who buy cars at their special dealers. The interest rate of automobile consumption loan refers to the ratio of the loan amount to the principal given by the bank to consumers, that is, borrowers, for purchasing their own cars (non-profit family cars or commercial vehicles with less than 7 seats). The higher the interest rate, the greater the repayment amount of consumers. Loan interest rate benchmark interest rate According to the regulations of the central bank, the benchmark interest rate is implemented for auto loans, but financial institutions can float within a certain range of the benchmark interest rate. The term of auto loans in major banks is generally less than five years, and the interest rate of auto loans directly determines the cost of people's loans and becomes an important factor in determining whether people lend. Loan Term: The loan term for general automobile consumption is 1-3 years, with a maximum of 5 years. Among them, the term of second-hand car loan (including extension) shall not exceed 3 years, and the term of dealer car loan shall not exceed 1 year.