The interest rate for 12 installments of 20,000 CCB credit cards is 5%.

Relevant regulations of China Construction Bank Credit Card:

1. The temporary credit limit adjustment is valid for up to 60 days. After expiration, the credit limit will be automatically restored to the original limit, and repayment will be made upon maturity. Make timely repayments before the date to reduce unnecessary overdraft interest payments.

2. A bank settlement account opened for the special management and use of funds for specific purposes. Special deposit accounts are used to handle the collection and payment of various special funds. Special deposit accounts that allow cash withdrawals are subject to approval.

Capital construction funds, renovation funds, extra-budgetary funds, grain, cotton, and oil purchase funds, unit bank card reserve funds, securities transaction settlement funds, futures trading margins, interbank funds deposited by financial institutions, income remittance funds, and business expenditure funds Funds for organizational structures of the Party, Youth League, and trade unions located in units and other funds that need to be specially managed and used in accordance with regulations can apply for the opening of special deposit accounts.

3. Handle the collection and payment of funds arising from the temporary business activities of temporary institutions and depositors. Cash withdrawals from temporary deposit accounts should be handled in accordance with national cash management regulations. The scope of opening a temporary deposit account: establishment of temporary institutions, temporary business activities in other places, registration and capital verification.

4. The depositor’s collection and payment of funds for daily business activities and the withdrawal of wages, bonuses and cash should be handled through this account. General deposit accounts are used to handle the transfer of depositors' loans, loan repayments and other settlements of funds. This account can handle cash deposits, but cannot handle cash withdrawals.

So the interest rate for 12 installments of 20,000 CCB credit cards is 5%.

Extended information:

The role of CCB credit card:

(1) Reflecting the movement of funds

Clearing the card is an economic analysis of the movement of funds According to the classification of content, one accounting account reflects a type of economic business, and each accounting account reflects the overall movement of funds from different aspects. Each accounting subject is a link that reflects the movement of funds, and the accounting subject system is a chain that reflects the movement of funds.

Understand a certain aspect of capital movement through the information provided by a certain accounting account. For example, the "fixed assets" account provides information on the increase, decrease and existing amount of fixed assets within a certain period. Through the information provided by all accounting subjects, it can reflect the situation of fixed assets; through the information provided by all accounting subjects, it can fully?

(2) Basis for accounting?

Clear card as the basic basis The accounting system stipulates the accounting scope, specific content, accounting methods, methods of preparing accounting entries, detailed accounting and registration book requirements of accounting subjects. Organize accounting according to the provisions of accounting subjects: set up accounts in the account books; handle daily accounting matters, determine accounting entries, prepare accounting vouchers; register account books, etc. For example: if a batch of items is purchased worth RMB, the RMB belonging to materials should be accounted for according to the provisions of the "Materials" accounting account; the RMB belonging to management expenses should be accounted for according to the provisions of the "Administrative Expenses" accounting account. .

(3) Accounting management methods?

The relevant regulations on card clearance are standards for controlling daily economic activities, such as controlling the income and expenditure of monetary funds and the increase of materials. minus changes, etc., this kind of control is institutional ex-ante control. If the provisions of accounting subjects are specific, comprehensive and correct, we can give full play to the role of this kind of prior control.

At the same time, the information provided by accounting subjects is the basis for supervision, analysis and assessment; it can timely allocate funds accordingly, organize the supply of funds, and ensure the needs of funds; it also provides the basis for the preparation of financial plans.

Baidu Encyclopedia-China Construction Bank

China Construction Bank Official Website-Credit Card Terms