In order to further implement the regulatory requirements, Bank of China has strengthened the transaction restrictions on real estate merchants. At present, credit cards can no longer use the overdraft amount for real estate merchants' consumption, and it will not be affected if the excess deposits of credit cards are used for transactions. The MCC codes involving merchants are as follows:

① Merchant MCC is 152 (residential and commercial real estate developer), 713 (real estate agent) and 6513 (property management), which will take effect on April 18th, 18.

② Merchant MCC is 1771 (construction merchant), which will take effect at the end of May, 18.

③ the transaction of customers using excess deposits is not affected.

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 BOC Cross-border GO APP to handle related business.