1. Various interests and handling fees agreed in the credit card articles of association or collection 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, payment, credit balance return and manual bill pressing transactions;

3. Personal online banking and telephone banking payment, etc.

4. Low 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, junior high schools, government services, charity 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 adjusted according to the merchant type of UnionPay and other related institutions.

5. The acquiring institution has established a white list of special charging marks, preferential categories, fee reduction or non-standard charging according to the relevant norms of China UnionPay and other relevant institutions;

6. Credit card consumption of third-party payment platform merchants;

7. Merchant consumption whose MCC code is not in the merchant category code of China UnionPay;

8. Consume 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.