When the temporary limit expires, if the cardholder has not returned the used part of the temporary limit, the over-limit fee will be charged according to a certain proportion, generally 5% of the over-limit part.
It should be noted that the part used by the temporary line of Bank of Communications will be included in the minimum repayment amount of the next bill, which needs to be paid off in one lump sum and cannot be repaid in installments. If you don't return it, you will be charged an overrun fee and a late fee.
Extended data:
Bank of Communications repayment method:
1, automatic repayment
You only need to tick the "Automatic Transfer Authorization" field when filling out the Bank of Communications credit card application form and provide the corresponding repayment account number.
Or go to the Bank of Communications outlet in the city where the original Bank of Communications debit card you need to bind for automatic repayment, and then bind the associated account. On the due repayment date, the RMB and USD arrears in your credit card will be repaid automatically.
2. Telephone banking business
Bank of Communications cardholders can go to the Bank of Communications outlets in the city where the original Bank of Communications debit card is located, and then dial the 24-hour customer service hotline displayed on the back of the credit card to transfer RMB from your Bank of Communications debit card and quasi-credit card in the self-service voice service to repay the RMB and USD arrears in your credit card.
3. Inter-bank ATM transfer repayment
Bank of Communications credit card holders can directly repay your Bank of Communications credit card with debit cards of other banks that have opened ATM card transfer function in 34 cities and surrounding areas.
4. Bank of Communications ATM transfer repayment
Bank of Communications credit card users can use the Bank of Communications debit card to transfer payment to your credit card at the ATM at the designated branch of Bank of Communications.
5. Third-party repayment
At present, many third-party payment platforms support credit card repayment, and you can also set repayment date to remind repayment.
6. Online banking repayment
Open the issuing bank's online banking, don't worry about not finding a bank and not paying the money. Just turn on the computer and log in to online banking, enter the card number and password, and complete the repayment easily with a click of the mouse, without paying any handling fee.
7. Mobile banking repayment
If you want to repay your credit card through mobile banking, you must first download a Bank of Communications mobile banking on your mobile phone. Secondly, the debit card you use to transfer money for repayment must be self-service and must be in the list of debit cards supported by Bank of Communications.
Baidu Encyclopedia-Bank of Communications Credit Card