When the amount deposited in the credit card exceeds all the debts of the account, so much money is called "overpayment" and will be automatically deducted after the credit card is consumed.

Note: Credit card is not a savings card. Don't deposit the deposit into a credit card account without spending. There is no interest on deposits, and a certain handling fee is required for withdrawals.

China Bank Credit Card Loan Collection Methods and Fees.

If you need to withdraw your credit card deposit, please bring your ID card and credit card to the counter of China Bank to return the credit balance.

China Bank Credit Card Overpayment Charge:

BOC series products: 0.5% for each refund, the lowest is 5 yuan RMB, 1 USD, 100 JPY, and the highest is 200 yuan RMB, 30 USD.

Great Wall International Card: The refund amount is 0.5%, with a minimum of HK$ 25 (HK$ card/Hong Kong and Macao free travel), US$ 3 (US$ card), Euro (GBP card) and Australian $3 (Australian dollar card) for each transaction.