Legal analysis: If you are unable to go to work due to the new coronavirus and are unable to repay your credit card on time, you don’t have to worry too much about this. Because the central bank and the China Banking Regulatory Commission have issued a notice on January 26, 2020, on strengthening cooperation in the banking industry, insurance industry, and financial industry services to prevent and control the pneumonia epidemic caused by the new coronavirus infection. Therefore, if you are unable to work due to the epidemic and cannot repay your credit card on time, you don’t have to worry too much. Banks will extend your repayment and will not include penalty interest or blacklisting.

Legal basis: "Notice on Strengthening the Cooperation of Financial Services in the Banking and Insurance Sectors in Preventing and Controlling the Pneumonia Epidemic of New Coronavirus Infection" Article 3: Open up a green channel for financial services. All banking and insurance institutions should further increase support for epidemic areas, reduce or exempt handling fees, simplify business processes, and open up fast channels. It is necessary to give full play to the joint efforts of bank credit, insurance guarantees, financing guarantees and other parties to strengthen financial support for key areas of social and people's livelihood. For people who have temporarily lost their source of income due to the impact of the epidemic, credit policies must be appropriately tilted, and personal credit repayment arrangements such as housing mortgages and credit cards must be flexibly adjusted and the repayment deadlines reasonably extended. Customers who are infected with the new coronavirus should be given priority when making claims, and the scope of liability should be appropriately expanded to compensate all claims.