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Is the establishment of a credit card a principal adjustment?

Yes. According to a query on Hualu.com, credit card registration requires principal adjustment and does not require compound interest. When public security organs and procuratorates handle credit card fraud cases, the criminal amount is determined by the overdraft principal, excluding interest, compound interest, late payment fees, handling fees and other fees charged by the card-issuing bank. This is also the case when sentencing by the court.