Yes Bank of China implements preferential policies for overdue credit cards. China Bank's credit card deferred repayment relief has the following ways:

1. The cardholder's late payment due to unemployment, serious illness, unspecified charges from the bank and other unknown charges.

2. Credit card holders negotiate with China Bank before the payment date specified by the bank, resulting in overdue payment. In addition to the above two cases, generally, credit cards cannot be exempted from punishment when overdue, and users must pay the fees (late fees and penalty interest) at China Bank within the agreed time.

What if the credit card is overdue?

If the credit card is overdue, you should pay off the overdue bill as soon as possible within the grace period provided by the bank. If you don't return it, you may face the danger of being sued. If it is a malicious overdraft, it will be sanctioned by law.