The automatic repayment delay time of CCB credit card is five days, and there is no need to apply. "Time-tolerant service" refers to providing cardholders with a certain period of repayment grace period service, and the repayment grace period is at least 3 days from the due repayment date; If the cardholder repays within the repayment grace period, it is deemed that the cardholder repays on time.
Extended data:
Credit card is a credit certificate issued by commercial banks or credit card companies to qualified consumers.
The form of credit card is a card with the name of the issuing bank, expiration date, number and cardholder's name printed on the front. Consumers with credit cards can go to specialized commercial service departments for shopping or spending, and then the bank will settle accounts with merchants and cardholders, and cardholders can overdraw within the prescribed limit.
Credit card overdue repayment will face the following consequences:
Credit card late payment fee.
The so-called credit card late payment fee refers to the fee that the cardholder should pay to the issuing bank in accordance with the regulations when the repayment date is overdue or the repayment amount is lower than the minimum repayment amount.
Overdue interest.
After users overdraw with credit cards, there is generally an interest-free repayment period ranging from more than 20 days to more than 50 days. If the cardholder's repayment is overdue, all the expenses of the cardholder last month will no longer enjoy the interest-free treatment of the bank, and the circulating daily interest rate is as high as five ten thousandths, that is, the annual interest rate reaches 18%.
Bad credit record.
Credit card overdue repayment records will enter the central bank's credit information system to generate bad credit records. China's personal credit information records have been networked nationwide. As long as individual residents have handled loan business in banks, applied for credit cards, or provided guarantees for others, credit reports can be found in any domestic commercial bank.
The characteristics of credit card are as follows: credit card is one of the fastest-growing financial services, and it can replace traditional cash circulation in a certain range; Credit cards have both payment and credit functions. Cardholders can use it to buy goods or enjoy services, and they can also use credit cards to obtain certain loans from card issuers; Credit card is a high-tech product integrating financial business and computer technology. Credit cards can reduce the use of cash and money; Credit card can provide settlement service, which is convenient for shopping and consumption and enhances the sense of security; Credit card can simplify the collection procedures and save social labor; Credit cards can promote commodity sales and++social demand.
CCB credit card can delay repayment for several days.
If it is really not because of the inevitable delay in repayment, it is better to repay on time, and there can be no "stain" on credit. Be sure to keep in mind your last repayment date. You can open SMS reminder service or pay attention to the official WeChat of China Construction Bank to keep abreast of your repayment information. If you need to go out before the final repayment date, it is recommended to repay in advance; If you can't repay in time due to going out, you can call customer service 400-820-0588 to explain the situation and apply for deferred repayment, which can generally be postponed for 2 to 4 days; If the repayment cannot be made in time due to financial reasons, it is suggested that the minimum repayment amount must be paid to ensure that the credit card overdue record will not be generated.
Can CCB credit card postpone repayment for a few days?
Hello, credit cards generally have a grace period of three days after the repayment date, and repayment within the grace period is regarded as timely repayment. At this time, the following situations will occur;
1. If it is paid off in full, no cost will be incurred;
2. If the repayment amount is less than the minimum repayment amount stipulated by the bank, it will be deemed overdue, with interest of 0.05%, and the unpaid part of the minimum repayment amount will be subject to a 5% late fee;
3. If the repayment amount is greater than or equal to the minimum repayment amount and less than the full repayment amount, interest shall be paid at 0.05%;
In addition, if the repayment exceeds the grace period, it is considered overdue: interest is 0.05%, and there is a late fee.
Repayment method:
Intra-bank repayment
The repayment methods mainly include: issuing bank counter, ATM, online banking, automatic transfer, telephone banking repayment, etc. The credit card limit will be restored immediately after repayment, and the money will generally be recorded after being processed by the system on the same day.
Mobile phone repayment
Mobile phone is a personal payment terminal of mobile financial system, which can be used for direct repayment and transfer by credit card. Arrive immediately!
Convenience store repayment
Convenience store repayment is mainly completed through the "Lacarra" smart payment terminal installed in the convenience store. Generally, it will arrive in 2~3 working days, and there is no handling fee for repayment in this way.
Network repayment
Common online repayment methods in China are: Baidu Wallet, UnionPay Online, Kuaiqian, Shengfutong, Alipay, Yifubao and so on. Choose different platforms and banks, and the charging standards and specific arrival time are different.
Make an inter-bank transfer
Inter-bank transfer/remittance repayment is mainly divided into two ways: inter-bank in the same city and inter-bank in different places. Whether it is transfer or remittance, the remittance bank will charge a certain fee, and the payment time and repayment convenience are not as good as those of peers, online repayment and convenience stores.
Guimiantong
Counter link refers to the bank card issued by various networked financial institutions, and the RMB current deposit and withdrawal transactions are conducted through the counters of other bank outlets registered in the mainframe system of UnionPay Trading Center.
Link to resource web page
What do you mean by deferred repayment?
To postpone means to extend or postpone time.
Words from Mangzhuan: As for taking a vacation, it's just Han's _ _ _ _ _. I'm exhausted, so I need to make a long-term plan and help Liu slow down.
This term is also often used in finance, such as deferred repayment and deferred transaction.
Deferred trading refers to a unique trading method in precious metals trading. Mainly used for margin trading. Traders can choose to deliver on the contract trading day or postpone delivery. Deferred trading of precious metals is an effective agent qualification for financial members of Shanghai Gold Exchange, which provides a channel for individual investors to participate in deferred trading of precious metals in Shanghai Gold Exchange, and acts as an agent for individual investors in fund settlement, position risk monitoring and margin management.
The repayment date of CCB can be postponed for several days.
It can be postponed for three days.
Details are as follows:
CCB provides credit card repayment grace period service, that is, the third day after the due repayment date, and no application is required.
If repayment is made within the repayment grace period, CCB will consider repayment on time. If the repayment on the same day is unsuccessful due to transfer time difference and other reasons, please ensure that the repayment amount arrives before 7:00 am on the third day after the due repayment date, and it is still regarded as normal repayment.
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. The 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. If the 5th of each month is the bookkeeping date, the due repayment date is 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.
China Construction Bank, as a state-owned bank that set foot in issuing credit cards earlier in China, has many kinds of credit cards.
The credit cards issued by China Construction Bank are all named "Longka". The types of dragon cards that have been publicly issued include: Dragon Card Campus Card, Dragon Card Business Card, Dragon Card Automobile Card, China Eastern Airlines Dragon Card, Shanghai Volkswagen Dragon Card, Dragon Card Hong Kong Wonderful Travel Credit Card, China Construction Bank VISA Card, Yilong Changxing Dragon Card, Mango Travel Dragon Card and Dragon Card (++) Tennis Card.
The introduction of credit card deferred repayment of CCB ends here.