Yes, the right of credit card offset means that if I have a deposit in a bank's savings card, the bank has the right to use this deposit to repay the credit card debt. The bank exercises the right of offset because the credit card has not been repaid for a long time, and I have a deposit in this bank's savings card, so the bank will have the right to repay the credit card debt with the deposit; In the execution procedure, it should be put forward before the end of the execution procedure, which is the most basic requirement for exercising the right of set-off in the execution procedure. The right of set-off is essentially a right of formation, that is, it can be established according to the will of one party. But it belongs to creditor's rights, so the status and existence of creditor's rights determine whether the right of set-off exists and can be exercised.

The solution is that the credit card can repay the minimum monthly payment in time.

CCB Credit Card Interest:

1. Interest-free repayment period: Interest-free repayment period refers to the interest-free period of consumer transactions enjoyed by cardholders when they repay in full on time, from the bank bookkeeping date to the repayment date, with a minimum of 20 days and a maximum of 50 days. Overdraft cash withdrawal transactions do not enjoy interest-free repayment period.

Tip:

If you don't repay in full before maturity, you won't enjoy the interest-free period. The Construction Bank will charge interest at a daily interest rate of 0.5 ‰ and compound interest monthly. The interest-bearing date is from the date of consumption to the date of repayment, and the interest-bearing principal is calculated according to the actual amount payable.

2. If the repayment is not made before the due repayment date or the repayment amount is lower than the minimum repayment amount, CCB will charge interest according to the regulations, and will also charge a late fee of 5% for the unpaid part of the minimum repayment amount.

The calculation example shows that:

Suppose your bookkeeping date is 17 of a month, and the due repayment date (for example, the 30th of a month) is 17 of the next month (if the month is 3 1 day, it is 16 of the next month, and the year and month are calculated accordingly).

If you spend 65,438+00,000 yuan in April, 65,438+05, and this consumption is credited to your account on the same day, the bank bookkeeping date is April, 65,438+05, because your bookkeeping date is April, 65,438+07, and the due repayment date is May 7, the longest interest-free period for this consumption is 23 days.

If you spend 65,438+00,000 yuan in April, 65,438+08, the consumption amount will be credited to your account on the same day, and the bank bookkeeping date will be April, 65,438+08. Since the consumption amount should be recorded on May 65, 438+07, there are still 50 days before the due repayment date on June 6, and the longest interest-free period of this consumption is 50.

3. During the service cycle:

Revolving credit generally means that the credit limit of a credit card can be recycled. As long as the customer can repay the amount in time after each use (including the minimum repayment method), it can be reused without applying before each use. Revolving credit is the inherent attribute and main function of credit card, which brings convenience to cardholders.

Interest calculation of revolving credit:

The consumption amount of the last statement is the interest-bearing principal, and the interest-bearing days are from the account bookkeeping date to the account repayment date; The interest rate of revolving credit shall be uniformly stipulated by the People's Bank of China, and the daily interest rate shall be 0.5 ‰, with monthly compound interest. The interest on the revolving loan will be stated in the next bill.