The credit balance (overpayment) of a Bank of China credit card refers to the excess deposit in the cardholder's card account.

The credit balance cannot be used for installment payment, and can be withdrawn through the Bank of China counter or ATM machine. There is no handling fee for withdrawal at the Bank of China card counter. If you withdraw money at the Bank of China ATM machine, a cash withdrawal handling fee will be charged by default but no interest will be charged; There is no charge for local withdrawals of the Great Wall Card. Cash withdrawal fees will be charged for overseas withdrawals. There is no interest charge for withdrawing excess deposits. For specific charging standards, you can call Bank of China Credit Card Customer Service 4006695566 for details.

The above content is for your reference, please refer to actual business regulations.

If you have any questions, please feel free to consult Bank of China’s online customer service.

You are sincerely invited to download and use Bank of China Mobile Banking APP or Bank of China Cross-border GO APP to handle related businesses.