For credit card overdraft consumption transactions, BOC 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; If the repayment is not made in full before the interest-free repayment period, overdraft interest will be charged according to the actual amount owed and the actual number of days owed from the transaction bookkeeping date, and the overdraft interest rate will be 0.5 ‰ of the daily interest rate, with compound interest calculated on a monthly basis.

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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