Details are as follows:

First of all, the bank credit card is a loan product, and the cardholder actually borrows money from the bank when using the credit card. According to the Contract Law of People's Republic of China (PRC), the borrower shall repay the loan in the time and manner agreed in this contract, and pay interest and liquidated damages. So legally speaking, credit card borrowers are obliged to repay interest and liquidated damages.

Secondly, in order to standardize the credit card business and protect their own rights and interests, banks usually sign relevant agreements with cardholders when issuing credit cards, clarifying the calculation methods of loan term, interest rate, penalty interest, liquidated damages and other expenses. According to the agreement, if the cardholder fails to repay the loan on time, the bank has the right to charge interest and liquidated damages. Therefore, both interest and liquidated damages are inevitable payment responsibilities within the agreed scope.

To sum up, the money owed to the bank credit card cannot be exempted from interest and liquidated damages. The bank's credit card business operates in compliance with the law, and the fees payable by the borrower are charged according to the contract. As a borrower, the cardholder should repay the loan in time according to the requirements stipulated in the contract and bear the corresponding interest and liquidated damages.

Extended data:

The interest of bank credit cards is generally calculated on a daily basis according to the bill balance, and the penalty interest is usually higher. Liquidated damages are caused by the cardholder's failure to repay on time and violation of the contract. Cardholders should pay attention to timely repayment to avoid high interest and liquidated damages. In addition, if the repayment cannot be made on time, it is recommended to consult the bank in time to understand the relevant repayment delay or installment payment policy to reduce the loss of interest and liquidated damages.