If CCB credit card holders want to apply for automatic repayment, they must first hold a CCB savings card and bind the credit card as an agreed repayment account. The bank will automatically deduct the corresponding amount from the account before the due repayment date and refund its unpaid bills.

There are several ways to set up automatic credit card repayment in China Construction Bank:

1, CCB counter to find a salesman to handle. Just provide the clerk with a savings card, credit card and personal ID card.

2. Online banking through CCB credit card. Log in to personal online banking, enter a credit card account, and click Repayment Management → Automatic Repayment Settings. Follow the guide to bind the credit card.

3. Call CCB Credit Card Customer Service. Call the credit card service hotline to verify your identity, press 3 to enter "card opening and password, bill sending method, automatic repayment setting", and then press 5 to enter "automatic repayment setting".

Operating environment: Huawei nova7JEF-AN00

How long does it take to issue the credit card of China Construction Bank?

1. After submitting the credit card application materials to CCB, it usually takes 5-8 days to see that the applicant's information has been entered into the progress inquiry, and it may take longer if it is through the mail card center;

2. After the date is entered, the query results can be found in about 7- 15 working days. During this period, if the credit card can be successfully passed, a text message will be sent to the mobile phone number left by the applicant;

3. The credit card sent by China Construction Bank to the billing address by registered mail can be received within 7 to 10 days from the date of credit card approval. If successful, you will receive the card 22 days after submitting the application.

The applicant will be informed of the success of the application in a short time. If the card is issued successfully, you need to activate your credit card to use it. Commonly used activation methods are:

1. Online banking: Online silver shield customers can log in to CCB Online Banking directly, select the "Credit Card-Credit Card Activation" menu, open the card and set the password.

2. outlets: bring my valid ID card and credit card to any outlet of CCB to open the card and set the password.

3. Customer service hotline: Call the customer service hotline with the mobile phone number reserved by the bank, and select the "Card Opening Password Service" menu according to the prompt.

How to repay CCB credit card?

Customers can apply for CCB credit card repayment in the following ways: 1. Log in to mobile banking, and follow the prompts through the menu of "Credit Card-Card Service-My Account-Repayment for Yourself". The repayment amount can be selected as current repayment, minimum repayment amount or input repayment amount. Reminder: Please purchase foreign exchange for repayment before 22 o'clock every day. 2. Pay attention to and enter the official WeChat account of China Construction Bank. After binding the credit card, enter "repayment" in the WeChat official account dialogue mode to get the link, and follow the prompts.

(In case of business changes, please refer to the actual situation. )

How to open automatic repayment of CCB credit card

Select to open the China Construction Bank APP on your mobile phone.

Go to the homepage of CCB Mobile Banking APP and open the credit card option.

Enter the credit card page and open the agreed repayment option, as shown in the figure below.

On the agreed repayment setting page, select the currency and click Set Now.

Enter the agreed repayment setting page, select the repayment account and repayment ratio, and click Next.

On the confirmation page of agreed repayment setting, enter the SMS verification code, and click OK to confirm that the agreed repayment operation is set successfully.

Extended data:

Under what circumstances will automatic credit card repayment fail?

0 1, the balance of the savings card is insufficient.

If the cardholder chooses to repay in full, how much will the bank deduct from the current bill; If the cardholder chooses to repay according to the minimum repayment amount, the bank will deduct the minimum repayment amount.

The key to automatic credit card repayment is that the balance in your savings card must be sufficient. Once your repayment amount exceeds the balance of your account, there is no money to deduct or there is not enough money in your card, which will also lead to overdue.

Therefore, friends who set up automatic repayment must always pay attention to the balance of the bound savings card in case the balance is insufficient!

02. There is a limit to inter-bank automatic repayment.

Many times, the cardholder's credit card issuer and savings card issuer are not the same bank, so opening the automatic repayment function involves the "inter-bank automatic repayment" business. So far, many banks' credit cards can be repaid automatically across banks, but there is a transaction limit for cross-bank repayment.

Generally speaking, credit card issuers will not set a repayment ceiling for debit cards bound to their own banks, but there are restrictions on the maximum repayment limit for debit cards bound to other banks. Once the cardholder's repayment amount is higher than this limit, it may lead to repayment failure.

Steps for automatic repayment of credit cards

Step 1: Confirm whether the credit card has been debited.

Automatic credit card repayment takes a process from deduction to successful repayment. Cardholders who receive the debit notice can directly log in to the online banking to check the repayment status of credit cards. If they are still processing the repayment, they can wait patiently, as long as they can arrive before the final repayment date, there is no problem.

Step 2: Confirm whether the credit card repayment has arrived:

If the credit card is not repaid in the successful repayment state, you can do the following:

1. Cardholders can check whether the credit card limit has been restored through official WeChat account and online banking. After all, after many banks successfully repay their loans, the arrival time may not be timely, especially when debit cards from other banks are used to repay credit cards, and the arrival time is usually delayed by 1~2 days. In this case, it is best to call the service hotline of the issuing bank and turn to manual customer service to confirm the entry.

2. If the credit card repayment is successful after the inquiry, but the money has not arrived and has not been recovered, the biggest possibility is that the bank clearing system network is busy or the internal system of the bank is upgraded. Usually, the bank will issue a notice in official website, which can be received after the system is restored.

How to set up automatic repayment of CCB credit card?

There are several ways to set up automatic credit card repayment in China Construction Bank:

1. Ask the salesman at the counter of CCB. As long as you provide the clerk with a savings card, credit card and personal ID card, you can handle it.

2. Online banking through CCB credit card. Log in to personal online banking, enter a credit card account, and click Repayment Management → Automatic Repayment Settings. Press "Guide" to bind the credit card.

3. Call the credit card customer service of China Construction Bank. Call the credit card service hotline to verify your identity, press 3 to enter "card opening and password, bill sending method, automatic repayment setting", and then press 5 to enter "automatic repayment setting". Operating environment: apple 12iOS 14.

At 1, all credit cards issued by China Construction Bank are named "Longka". The publicly issued dragon cards include: Dragon Card, Dragon Card, Dragon Card, Dragon Card, China Eastern Airlines Dragon Card, Shanghai Volkswagen Dragon Card, Dragon Card, Hong Kong Wonderful Travel Credit Card, China Construction Bank VISA Card, Yilong Dragon Card, Mango Travel Dragon Card and Dragon Card (Cup) Tennis Card. Credit fund loans, residents' savings deposits, foreign exchange business, credit card business, policy housing reform finance and personal housing mortgage loans. China Construction Bank, as a state-owned bank that set foot in issuing credit cards earlier in China, has many kinds of credit cards.

2. China Construction Bank, formerly known as People's Construction Bank of China, was established in June 1 954+1October1(later renamed as China Construction Bank on March 26th, 1996). The head office is located at No.25, Financial Street, Beijing. It is a large state-owned bank managed by the central government and a national deputy ministerial unit. The main business areas of China Construction Bank include corporate banking, personal banking and treasury business, with branches and subsidiaries in 29 countries and regions, and subsidiaries in many industries such as funds, leasing, trust, life insurance, property insurance, investment banking, futures and pension. China Construction Bank has a broad customer base, maintains banking contacts with many large enterprise groups and leading enterprises in China's economic and strategic industries, and its marketing network covers major regions of the country. 20 16 On June 30th, the British Banker magazine published the ranking of 1000 big banks in the world, and China Construction Bank ranked second. 20 17 In February, BrandFinance released the list of top 500 global brands on 20 17, and China Construction Bank ranked it as 14. In 20 18, Fortune Global 500 ranked 3 1. 20 18 February, the "Top 500 World Brands of 20 18" compiled by the World Brand Laboratory was announced, and China Construction Bank ranked 203rd. July 20 19 was selected as the Fortune Global 500. "Belt and Road" China enterprises ranked 40th on the 100 list.

3. 20 19 12, China Construction Bank was selected as the brand of 20 19 China Brand Power Festival 100. 20 19 12 18, People's Daily released the China Brand Development Index 100 list, and China Construction Bank ranked 25th. 20201October 4th, 65438, won the evergreen award of Caijing 2020 "Sustainable Development Benefit Award". In March 2020, it was selected as one of the top 500 global brands in 2020 13.

How to set up automatic repayment of credit cards

After credit card consumption, sometimes I am too busy at work, forget the repayment time, and finally get a penalty from the bank, which will also affect my credit record. Therefore, it is very important to set up automatic repayment of credit cards. Let's take the credit card of China Construction Bank as an example to find out how to set up automatic repayment of credit cards.

0 1

Binding the automatic repayment function, the premise is to have a savings card of CCB, which has money and is in normal condition. When it expires every month, it will automatically deduct money from the savings card to repay the credit card. Binding automatic deduction is divided into full binding and binding minimum repayment amount. Full deduction is based on the monthly bill settlement amount, and the minimum repayment amount is bound to be deducted only. This repayment method requires interest, and it is recommended to deduct the full amount. There are several common ways to deal with binding.

02

The customer directly carries valid identity documents and credit card savings card to CCB outlets for automatic binding service. This method is suitable for customers with CCB outlets nearby.

03

Call the credit card customer service of CCB directly and ask the customer service staff to help bind. After calling customer service, you need to check your personal information, and then you need to provide the savings card to be bound, telling the staff whether to bind it in full or only the minimum repayment amount.

04

Binding directly through CCB online banking or mobile banking. This requires opening online banking or mobile banking first, and then adding a credit card. When choosing a credit card, there is credit card management, including agreed repayment. Click and enter information as needed.

How to set up automatic repayment for CCB credit card?

The method of bank card automatic repayment is very simple. We need to open online banking with credit cards and bank cards. Then directly handle the credit card and bank card binding business at the counter. This method is the simplest, and then your bank card will automatically repay when it reaches the repayment period every month.

We download a mobile banking app directly. The specific download of that bank's app depends on the credit card you use.

Then we found our credit card and bank card information in the app. Then check the amount that should be repaid, and finally transfer money directly with the bank app. By the way, the premise is to open online banking. Don't forget to open online banking and mobile banking respectively.

In the same way, before the credit card repayment date every month, we turn on the computer, then log in to the online bank and transfer money directly to the credit card online.

Credit card repayment.

On the Similarities and Differences among Credit Card Repayment, Credit Card Trading Date and Entry Date

Trading day: Literally, it refers to the date when the cardholder actually consumes, deposits and withdraws cash, transfers money or actually conducts transactions with relevant institutions.

Bookentry date: refers to the date when the card issuer records the transaction amount in the cardholder's credit card account or records the handling fee and interest in the cardholder's credit card account according to regulations.

The trading day and posting day are sometimes the same day, and sometimes they are not. Especially in foreign consumption, the difference between the two may be more than one day.

This point, many old drivers who grab cash back from consumption abroad must have a deep understanding, and many of them are defeated because they don't understand the difference between these two dates.

It's not that everyone is inexperienced, but the entry dates of different banks are different, even the same bank is different every month. This rule is really hard to touch.

In fact, it is not only overseas activities, but many banks like to calculate their activities on the entry date. You may wish to pay attention to the detailed description of various activities to avoid accidentally falling into the pit.

About overdue credit cards

Speaking of overdue, let's explain it with a few nouns.

The billing date means that the issuing bank will regularly summarize and settle all the transactions and expenses of your credit card account in the current period every month, calculate the interest, calculate the total amount owed in the current period and the minimum repayment amount, and send you a statement (paper bills are almost extinct now, basically text messages and emails). This date is your credit card bill.

Repayment date: credit card is a non-cash transaction, and the interest-free repayment date is from the bank bookkeeping date to the due repayment date, and the last interest-free date is the last repayment date written on the bill.

The minimum repayment amount means that if the cardholder has difficulty in repaying all the payables before the due repayment date (inclusive), he can repay according to the minimum repayment amount stipulated by the issuing bank, but he cannot enjoy the interest-free repayment period. The minimum repayment amount is listed on the current bill.

Minimum repayment amount = 65,438+00% of the outstanding consumption amount within the credit line (5% in some banks), 65,438+000% of the cash advance transaction amount, and 65,438+000% of the expenses and interest of the previous minimum repayment amount exceeding the consumption amount of the credit line.

In short, as for the minimum repayment amount, just look at the items on the bill.

Ok, with the above noun explanation, this overdue is easy to explain.

If the minimum repayment amount has not been paid after the last repayment date, even if it is overdue, it may be recorded in the credit report.

The reason why it can be published in newspapers is that many banks have set aside some exemption conditions. When the technical term is tolerance, it is regarded as mercy outside the law.

"Tolerance and time tolerance" is a general term for "tolerance service" and "tolerance and time tolerance service" of bank credit cards.

"Tolerance service" means that the cardholder fails to repay in full in the current period, and if the unpaid part in the account is less than or equal to a certain amount after the due repayment date, it is deemed that the cardholder has repaid in full, and the unpaid part will be automatically transferred to the next bill, and the unpaid part will not bear interest.

"Time-tolerant service" refers to providing cardholders with a certain period of repayment grace period service, and the repayment grace period is within a few days from the due repayment date; If the cardholder repays within the repayment grace period, it is deemed that the cardholder repays on time.

The repayment date of general banks is 20 days after the bill date, and some banks are 25 days after the bill date; Generally, the holding time is 2 or 3 days (note that the holding time of ICBC is 0 days); Tolerance is generally within 10 yuan, and only China Everbright Bank can tolerate it within 100 yuan.

In addition, the time difference services of Guangfa Bank, China Everbright Bank and Shanghai Pudong Development Bank can only be enjoyed upon application. In this regard, the application time tolerance is understandable. If you realize tolerance, you will definitely pay back a few dollars. Who would bother to apply? With the threshold of application, it means that there is no such service.

Then, after the bank allows the time to form a real overdue, will it definitely pollute the credit information?

The answer is also no.

Because banks don't report overdue in real time, they all have their own work rhythm, and the fastest one takes one working day, and some banks even report it in ten days.

This overdue report is also the last remedy for everyone. Repay in full, take the initiative to explain your last move (such as forgetting all unforgivable non-subjective reasons, such as not going on a business trip), and be sincere, so that it is possible to "save the day."

Of course, saying this is not to make everyone feel lucky and delay repayment, but to solve it as soon as possible once it is overdue, and don't break the jar without asking.

Credit card interest

Even if it is overdue accidentally, if it is not paid in full by the repayment date, there will be a large interest fee waiting for you.

Interest: Due to cash withdrawal or insufficient repayment (only the minimum repayment amount) on the repayment date, the current common algorithm for credit card interest is the daily interest rate of five ten thousandths. Whether it is overdue or not, as long as it is not repaid in full after the repayment date, this interest will be generated.

Reminder: One billing cycle is the calculation cycle of interest, and the interest of the next cycle will be incorporated into the principal for recalculation.

Here are a few points to note:

1, cash withdrawal is different from credit card consumption, and there is no interest-free period. As long as you withdraw from the current bank, you can start calculating interest. If you don't make up the money for an emergency, remember to pay it back quickly. Don't wait until the repayment date to pay it back together. There will be a large interest fee waiting for you.

Of course, everyone must know this. Everyone takes it on the same day and returns it on the same day. It doesn't need interest, only a handling fee.

The interest-free period of credit card consumption is conditional, that is, you must repay in full before the repayment date. If only the minimum repayment amount is paid, the interest will be calculated in full, although it will not cause bad news of overdue.

Related repayment

Some people may say that I linked a debit card and set up automatic repayment. No matter how many pits I have, I can't be cheated.

If you think so, there may be a bigger pit waiting for you.

Because credit card repayment still has a problem of pressing the card or the account, one thing you must keep in mind! I can't figure this out. I'll wait for you after the deadline

Find out which banks are pressing cards and which banks are pressing households, and make relevant repayments in a targeted manner.

Let's stop here for the introduction of how to automatically repay CCB credit cards.