One-year deferred repayment of Yuenong Small Micro-loan can be operated as follows: In addition to strengthening supervision and legal sanctions by banks and relevant departments, cardholders should also pay attention to the following limits to reduce the risk of credit card use. Be sure to read the terms of the credit card agreement carefully. The detailed terms and conditions in the credit card agreement of our bank shall be formulated by the issuing bank and come into effect with the signature of the cardholder. Take Great Wall Credit Card as an example. Article 13 of the contract stipulates that if the Great Wall Card is lost or stolen, the cardholder shall immediately go to the nearest branch of China Bank to report the loss in writing with his ID card or other valid documents, and pay the loss reporting fee according to the regulations. Before and within 24 hours after the loss report, the risk loss caused by the loss report card is still borne by the cardholder.