1. If it is overdue for 1 to 90 days (inclusive), it will be offset in the order of interest or fees receivable first, and then the principal. The details are as follows: Repayment (offset) order of entry: interest of the previous period - Expenses for the previous period - Interest for this period - Expenses for this period - Cash withdrawal for the previous period - Consumption for the previous period - Cash withdrawal for this period - Consumption for this period;

2. If it is overdue for more than 91 days, the principal shall be paid first, and then the interest receivable. Or offset the various expenses in the order, as follows: The order of repayment (offset) is: cash withdrawal in the previous period - consumption in the previous period - cash withdrawal in the current period - consumption in the current period - interest in the previous period - expenses in the previous period - interest in this period - expenses in this period.

The above content is for your reference, please refer to actual business regulations.

If you have any questions, please feel free to consult Bank of China’s online customer service.

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