1. For credit card overdraft consumption transactions, BOC generally provides an interest-free repayment period of 20-50 days. If the repayment is made in full before the interest-free repayment period, no overdraft interest will be charged; If you don't repay in full before the interest-free repayment period, you won't enjoy the interest-free repayment period. Bank of China will calculate overdraft interest in installments from the transaction bookkeeping date according to the actual amount owed and the actual number of days owed.

2. overdraft withdrawal does not enjoy interest-free repayment period.

3. The overdraft interest rate is five ten thousandths of the daily interest, with compound interest 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.

You are cordially invited to download and use China Bank Mobile Banking APP or China Bank Cross-border GO APP to handle related business.