For credit card overdraft consumption transactions, BOC generally provides an interest-free repayment period of 2-5 days. If the credit card is fully repaid before the interest-free repayment period, overdraft interest will not be charged;

if you don't repay in full before the interest-free repayment period, you won't enjoy the interest-free repayment period, and the overdraft interest will be calculated based on the actual amount owed and the actual number of days owed from the transaction bookkeeping date. The overdraft interest rate is .5 ‰ of the daily interest rate, with compound interest on a monthly basis.

the interest of 3, yuan is five ten thousandths of a day, that is, 3X.5=1.5 yuan, 1.5 yuan every day. Extended information

Benefits of Taobao Credit Card

1. Any merchant who spends more than RMB in 1 yuan with his card can call the 24-hour customer service hotline of BOC Credit Card to apply for installment payment. Unlimited location, unlimited merchants, easy to experience the fun of staging.

2. Consume first, then repay, and there is an interest-free repayment period of up to 5 days.

3. You can use "signature" or "password+signature" to spend by credit card, which makes you feel more at ease and our service more intimate. Note: If "password+signature" verification is selected, overseas merchants usually cannot provide the function of entering passwords, so they will use "signature" to swipe their cards for consumption.

4. Bank of China provides thoughtful and considerate SMS service for BOC Taobao credit card holders. The contents include real-time transaction notification, automatic repayment result prompt, suspicious transaction confirmation, etc., to ensure worry-free use with the account.

5. Bank of China provides a variety of repayment methods: online banking repayment, branch counter repayment, self-service equipment repayment and automatic transfer repayment

6. If BOC Taobao credit card is accidentally lost, you only need to call the 24-hour customer service hotline 466-95566/(1)6685566 to complete the reporting procedures, so you don't have to bear any risks after reporting the loss.

7. The annual fee for the first year can be directly waived if the application is successful, and the annual fee for the next year can be easily waived by swiping the card at the entity merchant for an unlimited amount five times within one year. Online payment is not included in the annual fee-free transaction statistics.

8. Bank of China cooperates with many high-quality merchants at home and abroad. Enjoy all kinds of catering, shopping and fitness discount stores.

9. China Bank provides more flexible supplementary card services. You can apply for a supplementary card for the designated immediate family members, and freely specify the credit limit for them. The supplementary card can also enjoy independent statement service.

China Bank-China Bank Credit Card Service Charge Price List

China Bank-BOC Taobao Credit Card (issued as of April 26th, 217).