generally speaking, the transfer-out of BOC credit card balance means that the user has made redundant repayment when returning the credit card arrears. At this time, the extra money can be transferred out, but when it is transferred out, it can only be transferred to the BOC savings card held by the user. If the user does not have a BOC savings card, he can apply for one at this time, and it is very convenient to handle it directly at the bank counter.

BOC credit card should try not to pay more money when repaying the arrears. If the cardholder doesn't know the amount to be repaid, the most direct way is to call the customer service hotline of the bank credit card, and then he can repay according to this amount.

Credit cards can be repaid through different channels, such as bank counters, mobile banking, ATM machines, third-party payment platforms, etc. Users can choose the repayment method that suits them according to their actual situation. Generally, repayment through the bank's own channels is the fastest.

Credit cards must not be overdue in repayment, because overdue repayment will result in penalty interest. Moreover, after overdue repayment, it will be collected by the bank. The common collection method is to call the cardholder. When the repayment is overdue, personal credit information will be affected, and the subsequent handling of various loans will be affected after the credit information becomes bad.