For credit card overdraft consumption transactions, China Bank generally provides an interest-free repayment period of 20-50 days. If the credit card is repaid in full before the interest-free repayment period, no overdraft interest will be charged; Those who fail to repay in full before the interest-free repayment period will not enjoy the interest-free repayment period, and overdraft interest will be charged in installments according to the actual amount owed and the actual number of days owed from the transaction accounting date. The overdraft interest rate is 0.5 ‰ of the daily interest rate, with monthly compound interest. Cash withdrawal does not enjoy interest-free period.

The above contents are for your reference. Please refer to the actual business regulations.

If you have any questions, please contact online customer service of Bank of China.

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