Credit card overdraft transfers are regarded as overdraft cash withdrawals and will incur handling fees and interest.

Handling fee standard: For RMB transfers through our bank's overdraft, the handling fee standard is 0.5 of the transaction amount, with a minimum charge of RMB 1 per transaction (currently only transfers from credit cards to debit cards of my peers are supported) .

Interest charging standards: From the accounting date to the repayment date, overdraft interest will be calculated and paid according to the prescribed interest rate (the daily interest rate is 0.5%).