Legal analysis: CBRC reminds: If there are arrears or annual fees for credit cards, it will generate interest costs and may also affect personal credit information. When applying for and using credit cards, consumers should fully understand the relevant information of credit cards, such as interest calculation and settlement rules, billing date, annual fee/late fee/over-limit fee collection method, etc. For the purpose of illegal possession, if the cardholder overdraws beyond the prescribed limit or fails to return the large amount after two effective collections by the issuing bank for more than three months within the prescribed time limit, it may be suspected of credit card fraud.

Legal basis: Consumer Protection Bureau of China Banking Regulatory Commission issued Tips for Reasonable Use of Credit Card Consumption. Second, use credit cards reasonably. If the credit card is in arrears or the annual fee is in arrears, it will generate interest costs and may also affect personal credit information. When applying for and using credit cards, consumers should fully understand the relevant information of credit cards, such as interest calculation and settlement rules, billing date, annual fee/late fee/over-limit fee collection method, etc. Credit card installment repayment and minimum repayment can temporarily relieve the pressure, but it will also generate corresponding expenses and interest. Consumers should reasonably choose credit card installment repayment or minimum repayment amount to avoid overdue credit cards.