The repayment date of China Construction Bank's credit card is the 20th day after the bill date. If the billing date of your credit card is 13 (fixed) every month, the repayment date is the 20th day after the billing date, that is, around the 3rd of every month (there are 30 days and 3 1 day every month), that is:

If March12-April 13 is a billing cycle, the credit card consumption of this cycle will be billed on April 13, and May 3 is the final repayment date. April12-May 13 is a billing cycle, and the credit card consumption in this cycle will generate a bill on May 13, and June 2 is the final repayment date. And so on.

Therefore, if you swipe your card on the day of the bill, the interest-free period is the shortest, only 20 days (swipe your card in April 13, and repay it on May 3), and swipe your card after the bill, and the interest-free period is the longest, only 50 days (swipe your card in April 13, and repay it in June 1). The longest repayment period of CCB credit card is 50 days. After the central bank introduced the time tolerance policy, CCB provided cardholders with a five-day grace period for repayment. If the cardholder repays within the repayment grace period, it shall be deemed as timely repayment. So in fact, the longest repayment period of CCB credit card is 55 days, that is, 25 days after the credit card bill.

In addition, the repayment date of the credit card can be adjusted according to your own situation.

The due repayment date is also called the final repayment date. If you don't pay in full before the due repayment date, and you don't choose the minimum repayment amount of the credit card, you may face the following penalties:

1. All consumption funds will no longer enjoy interest-free repayment, and the bank will calculate interest on a daily basis with the consumption amount as the principal from the date of consumption, with a daily interest rate of 0.5 ‰ and compound interest on a monthly basis;

2. Receive phone calls and letters from banks;

3. Freeze your account, feed back your arrears record to the People's Bank of China and record it in your credit file, which will affect your personal credit;

If you really don't have enough money to repay in full on the due date, please choose the minimum repayment amount of the credit card. If you repay in this way, you only need to return 10% of the total cost each time, so that although there is no interest-free repayment period, you can avoid personal credit damage.

References:

Baidu Encyclopedia-Credit Card Maturity Repayment Date

When is the repayment date of China Construction Bank's credit card?

The due repayment date of CCB credit card is 20 days after the bill date. For example, the 5th of each month is the bookkeeping date, and the due repayment date is the 25th of that month.

I. Credit card bill of China Construction Bank

The optional billing date of CCB credit card is: 2, 5, 7, 10, 12, 15, 17, 19, 22, 23, 24, 25, 26 and 27; The cardholder's bill can be viewed from the monthly bill. The credit card billing date of CCB can be adjusted, but it can only be modified once in a natural year.

Two. Explanation of credit card repayment name

1. Bookkeeping date: refers to the date when the bank summarizes the accumulated outstanding principal of consumer transactions, principal of cash withdrawal transactions, expenses, etc. Calculate the interest and the current repayment amount of the cardholder.

2. Due repayment date: refers to the latest date stipulated by the bank that the cardholder should repay all the payable amount or the minimum repayment amount.

3. Interest-free repayment period: refers to the time between the bank bookkeeping date and the repayment date of consumer transactions that can enjoy interest-free treatment on the premise that the cardholder repays all the payable amount before the due repayment date (inclusive).

Three. Calculation method of interest-free repayment period

1. The due repayment date of CCB credit card is 20 days after the bill date. For example, the 5th of each month is the bookkeeping date, and the due repayment date is the 25th of that month.

2. The interest-free repayment period is from the bookkeeping date to the due repayment date. The longest interest-free repayment period of CCB credit card is 50 days, and the shortest is 20 days. You can enjoy the longest interest-free period of consumption one day after the bill date.

How to calculate the repayment time of CCB credit card?

First of all, the bill records your bill date, which is fixed, and the repayment date may or may not be fixed (depending on whether you are after the end of the month). 6.4 Credit card consumption, the last repayment date is 6.27. The following is only for credit card consumption, and the cash withdrawal charge cycle is the same, but interest-free period is not enjoyed.

The repayment date of CCB credit card is the 20th day after the bill date. According to your situation, your credit card billing date should be the 7th of each month (fixed), and the final repayment date is the 20th day after the billing date, that is, the 27th of each month.

May 8-June 7 is a billing cycle, and the credit card consumption in this cycle will generate a bill on June 7, and June 27 is the final repayment date.

June 8-July 7 is a billing cycle. Credit card consumption in this cycle will generate a bill on July 7, and July 27 is the final repayment date. And so on.

Therefore, if the bill is swiped on the same day, the interest-free period is the shortest, only 20 days (swiping the card on June 7 and repaying it on June 27). If you swipe your card after the bill, the interest-free period is the longest, 50 days (swipe your card on June 8 and repay it on July 27). Be sure to know the billing date and repayment date of your credit card so as not to miss it.

How to calculate the billing date and repayment date of CCB credit card?

After the credit card is approved, the customer will have a fixed billing date (the billing date will be indicated in the card letter attached to the card when the customer receives the card, and multiple credit cards share a billing date). Calculation formula of repayment date corresponding to bill date:

1. The bookkeeping date is 1-10, and the corresponding repayment date is bookkeeping date +20, that is, 2 1-30 in the current month. Note: If the repayment date is 29th of this month and 30th of this month, it will be fixed as 65438+ 0th of the following month).

2. The bookkeeping date is 12 -28, and the corresponding repayment date is-1 1, which is the following month1-kloc-0/7.

Note: The bill date and due date are subject to the bill.

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

So much for the introduction of how to calculate the repayment date of CCB credit card.