the repayment penalty refers to the cardholder's failure to repay the minimum repayment amount before the due repayment date (inclusive). In addition to the loan interest, the bank will charge a repayment penalty of 5% of the unpaid minimum repayment amount. The specific calculation method of repayment penalty is: repayment penalty = (minimum repayment amount-repaid amount) ×5%.

if the minimum repayment amount is within 1 yuan (inclusive), no repayment penalty will be charged; It will not be charged after 6 overdue periods; The collected amount will not exceed the principal.

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 BOC Cross-border GO APP to handle related business.