Yes! You can go directly to the Bank of China’s website for direct remittance, but there is a handling fee! You can repay through Taobao's Alipay and Tencent's Tenpay. These online payment websites will have to make up for the handling fees! Very convenient, I have used them all!

The interest is like this. If you swipe your card, the daily interest is 0.5%, calculated from the day you swipe your card! If you repay after the statement date and before the repayment date, there will be no interest. If you repay after the repayment date, there will be interest. If you are withdrawing cash, there is a 20 handling fee calculated at 0.05% per day!

If your Chinese bank card is a credit card, it will definitely not work directly. You can cash it out and it will still work! You can cash out on Taobao, just go to the mall and find someone who pays with cash and help them swipe their card!