The "general principles of loans" have corresponding provisions:

Article 32 The borrower shall repay the loan principal and interest in full and on time in accordance with the loan contract. The lender shall promptly issue a notice of overdue loan collection, and do a good job of overdue loan principal and interest collection.

Lenders charge interest on loans that cannot be repaid within the time limit stipulated in the loan contract; If the principal and interest cannot be repaid or executed, it shall be urged to repay or bring a lawsuit.

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Laws and regulations related to the general principles of loans:

Article 27? Where the payment is entrusted to the lender, the lender shall require the borrower to apply for payment when using the loan, and authorize the lender to pay the loan funds in the way agreed in this contract.

If the card issuer adjusts the credit card interest rate standard, it shall notify the cardholder in an agreed way at least 45 natural days in advance. The cardholder has the right to cancel the account before the new interest rate standard takes effect, and repay the relevant funds according to the signed agreement.

Article 28? Card issuers fully disclose credit card application conditions, charging items and standards, credit card standard agreements and articles of association, etc. , and remind cardholders of major interests in the credit card agreement in a significant way.

Baidu encyclopedia-general rules for loans