/kloc-within 0/5 days. China Construction Bank official website information shows that if the customer has not paid off the overdraft during this period, the bank will continue to take collection measures in accordance with relevant regulations. When exercising the right of offset, the bank will charge a certain handling fee, which is usually converted into about 1% of the overdraft amount. After the bank's credit card-driven offset right is completed, the bank will deduct the money within 15 days.