(1) Various interest and handling fees stipulated in the credit card articles of association or contract of China Bank, including but not limited to annual credit card fees, cash withdrawal fees, overdraft interest, liquidated damages and other credit card fees;

(2) Credit card transfer, cash withdrawal, deposit (repayment), withholding, agency payment, credit balance return and manual bill pressing transactions;

(3) online banking and telephone banking payment;

(4) Low discount rate or zero discount rate and special types of merchant consumption, including but not limited to real estate, automobile sales, wholesale transactions, public hospitals, public schools, primary and secondary schools, government services, charities and public utilities, non-profit undertakings and other industries, as well as financial and government payment transactions (such as insurance, fines, investment, bail, tax payment, etc.). ), the above information will be produced according to the types of merchants of UnionPay and other related institutions.

(5) The acquiring institution has set up a white list of special billing marks, preferential categories, relief categories or non-standard billing according to the relevant norms of China UnionPay and other relevant institutions;

(6) Credit card consumption of merchants in third-party payment platforms;

(7) Merchant consumption for which MCC code of merchant category is not included in China UnionPay merchant category code;

(8) Consumption of UnionPay brand credit cards through domestic online transactions.

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.