1, tolerance tolerance:

If the credit card repayment date arrives and the cardholder fails to repay in time, as long as the repayment is made within the specified time, it is not overdue;

Tolerance:

When the difference between the bill amount and the actual repayment amount is less than or equal to a certain value, the bank will default that the cardholder has paid off.

It is understood that CCB has cancelled the tolerance limit for overdue credit cards, and the tolerance period is 3 natural days. Cardholders need to actively contact the bank to apply for this service;

2. Overdue penalty interest After the credit card bill of the CCB cardholder is overdue, the penalty interest charged by CCB every month is 5% of the unpaid minimum repayment amount;

If the cardholder cannot repay the minimum repayment amount, he can also negotiate with the bank to reduce the minimum repayment amount; As long as the bank allows, the minimum monthly repayment amount of the cardholder can be lower than 10%.

3. When collecting credit cards, the interval between two collections should be 30 times;

If the cardholder intentionally evades, the bank can make more frequent dunning.

At the same time, CCB also said that if the cardholder's credit card is overdue and meets the conditions of CCB's personalized installment, he can negotiate with him for personalized installment interest-free repayment, and he can choose up to 60 interest-free installments.

Brief introduction of China Construction Bank:

China Construction Bank (hereinafter referred to as China Construction Bank or CCB, formerly known as People's Construction Bank of China, renamed as China Construction Bank on March 26th, 1996) was established on June 5th, 954 (Wu Jianian). It is a joint-stock commercial bank and one of the top five state-owned commercial banks.

The main business areas of China Construction Bank include corporate banking, personal banking and treasury business.