The real-time balance of China Bank's credit card includes the total liabilities or total credit balance in the current card after authorization. If users don't understand anything, they can directly call the customer service hotline of China Bank for consultation, so that they can know the specific meaning. Users should repay on time after daily use, and there should be no overdue repayment, otherwise there will be penalty interest.

The overdue repayment of China Bank's credit card will affect personal credit information, and then affect the handling of various loans, such as car loans or mortgages. And this record will be kept for 5 years after the overdue arrears are returned. After 5 years, the record will disappear automatically, and the arrears will be permanently recorded in the credit report.

If the BOC credit card cannot be repaid on time after use, it can be repaid by installments or the minimum repayment amount. At this point, users need to pay a certain fee when repaying, but users can repay in advance later, which can save money. In fact, when you can't repay the loan on time, you can borrow money from friends around you.

Users should consider their own income when using credit cards at ordinary times to ensure timely repayment after consumption. If your personal income is insufficient, you should use credit cards carefully. Generally speaking, as long as the credit card consumption limit does not exceed 50% of an individual's monthly income, repayment can be guaranteed on time.

The above is what Bian Xiao shared for you about the real-time balance of BOC credit cards. More information can focus on the construction industry and share more dry goods.