1. Bank of Communications enjoys an interest-free repayment period for credit card overdraft consumption, with the shortest repayment period of 25 days and the longest repayment period of 56 days. As long as the cardholder pays off the due amount on the current bill before the due repayment date (inclusive), no interest will be charged;

2. If the amount repaid by the cardholder before the due repayment date (inclusive) is equal to or higher than the minimum repayment amount of the current bill, but lower than the amount payable on the bill, the loan interest will be charged from the bank bookkeeping date to the full repayment date;

3. If the amount repaid by the cardholder before the due repayment date (inclusive) is lower than the minimum repayment amount of the current bill, in addition to the loan interest of the full repayment amount, a late fee will be charged according to the unpaid part of the minimum repayment amount;

4. If the overdraft is withdrawn and transferred, the interest-free repayment period will not be enjoyed, and the loan interest will be charged from the bank bookkeeping date to the full repayment date;

5. Interest shall be uniformly stipulated by the People's Bank of China, and the daily interest rate shall be 0.5 ‰, with monthly compound interest.