CCB's credit card does not charge installment interest, but only charges a handling fee.
CCB's credit card bills are generally divided into three periods, six periods, nine periods, 12 periods, 18 periods and 24 periods. According to the number of installments, the handling fee rate is different, and the average rate per installment is generally 0.6% to 0.8%. For example, if the installment amount is 1.200 yuan, and the repayment is completed in 12 installments, and the handling fee rate is 0.6% per month, then the actual monthly repayment amount is 1.438+0.200 Yuan 0.6% = 1.007.2 Yuan.
The number of periods is divided into three periods, six periods, 12 period, 18 period and 24 periods.
The monthly handling fee rate is 0.75%0.70%0.60%0.60%0.62%.
Monthly handling fee = the handling fee rate of the total installment amount. After the installment, each billing date will be recorded and collected on schedule, otherwise it will be counted as a bad record in the credit information system even if it is overdue.
Extended data
If the user can repay within the specified repayment date after spending by credit card, there is no need to pay interest, but if the repayment operation is not carried out on the specified date, the interest will be calculated at the daily interest rate of 0.05% from the date of consumption, and CCB will regard the credit card user as overdue, which will affect personal credit.
If the repayment cannot be made in full within the specified time limit, CCB credit card users can apply for installment repayment, which does not require interest, but will charge a certain handling fee according to the number of installments. If the single consumption exceeds 1000 yuan, you can apply for three periods, namely, three periods, six periods and 12 periods, and the corresponding handling fees are 0.7%0.6%0.6% respectively.
The billing dates provided by China Construction Bank are 13, which are 2, 5, 7, 10, 12, 15, 17, 19, 22 and 23 respectively.
The bill of China Construction Bank can be revised. Everyone has a chance to revise the bill once a year. For example, the bill statement of a credit card user is 25th, and the repayment date is15th every month. However, since the monthly pay date of a credit card user is 20th of each month, the user can apply to China Construction Bank to change the bill statement to 2nd of each month, so the repayment date is 22nd of each month.