According to Article 26 of the Credit Card Charter of China Everbright Bank (20 19 Edition),

The card issuer has the right to adjust the credit amount, overdraft interest rate, interest-free repayment period and minimum repayment amount of the unit card or the credit amount, overdraft interest rate, interest-free repayment period and minimum repayment amount of the individual card according to the credit changes of the cardholder or the cardholder, and notify the relevant parties of the adjustment results. ?

For the cardholder who fails to repay the loan according to the regulations, the card issuer has the right to collect the money from the cardholder himself or his guarantor, record the collection process, recover and disable the cardholder's credit card (except the electronic cash account) according to law, require his guarantor to assume the guarantee responsibility, or dispose of his mortgage or pledge according to law. ?

Extended data:

The relevant provisions of the credit card charter of China Everbright Bank (version 20 19).

The credit card belongs to the card issuer, which reserves the right to withdraw or refuse to issue the card;

The card issuer is informed that the cardholder's identity documents and other materials have been stolen, the financial situation has deteriorated, the repayment ability has declined, the reserved contact information has become invalid, the application materials are false, the credit situation has deteriorated, cash is cashed out, money is laundered, and credit card overdraft funds are used for fixed assets investment, equity investment, production and operation, fraud, etc.

And illegal financing, untrue transactions, sale, lease, lending and other abnormal card use behaviors, have the right to immediately stop operations such as increasing credit limit, authorizing card service exceeding credit limit, and authorizing installment business.

And have the right to take risk management measures such as perfecting transaction monitoring, reducing credit limit, adjusting overdraft interest rate, adjusting interest-free repayment period, adjusting minimum repayment amount, suspending or stopping cardholder's credit card use right, and implementing the second repayment source. ?

Credit Card Charter of China Everbright Bank and Credit Card Charter of China Everbright Bank (version 20 19)