Yes, you can. According to the provisions of the General Principles of the Civil Law on exemption from civil liability, if a breach of contract is caused by force majeure factors, such as accidents, brush theft and other reasons, you can also appeal for a refund. But this reason requires evidence, and the cycle will not be very long, that is, one to three months, and the way for the intermediary to operate the interest refund is to play the name of this "force majeure factor". Call the customer service phone number of the bank corresponding to the credit card and say, "I have no income for the time being due to the epidemic, and I hope to refund the interest generated by the credit card in February, March and April or 1, February and March." It is said that most of them can be returned.

Credit card, also called debit card, is a credit certificate issued by commercial banks or credit card companies to qualified consumers. It is a card with name, expiration date, number and cardholder's name printed on the front, and a magnetic stripe and signature strip on the back. Consumers with credit cards can go to specialized commercial service departments for shopping or spending, and then the bank will settle accounts with merchants and cardholders, and cardholders can overdraw within the prescribed limits.

Second, the credit card stipulated in the relevant laws of our country (Interpretation of the Provisions of the NPC Standing Committee on Credit Cards) refers to the electronic payment card issued by commercial banks or other financial institutions with all or part of the functions of consumer payment, credit loan, transfer settlement, cash deposit and withdrawal, etc. 20 17 12 1, the English translation and writing standard for public services was formally implemented, and the English names of credit cards were specified.

Third, credit card consumption is a non-cash transaction payment method. There is no need to pay cash when spending, and it will be repaid on the billing day. Credit cards are divided into credit cards and quasi-credit cards. Credit card refers to a credit card in which the cardholder has a certain credit limit and can spend first and then repay. Quasi-credit card refers to a quasi-credit card in which the cardholder deposits a certain amount of reserve fund according to the regulations, and when the balance of the reserve fund account is insufficient to pay, it can be overdrawn within the prescribed credit limit. Credit cards generally refer to credit cards.

4. From the date of 202 1 and 1, the credit card overdraft interest rate shall be determined by the card issuer and the cardholder through independent negotiation, and the upper and lower limit management of the credit card overdraft interest rate shall be cancelled (the original upper limit is 0.7 times of the daily interest rate).

On May 25th, 20021year, the Supreme People's Court promulgated and implemented the Provisions of the Supreme People's Court on Several Issues Concerning the Trial of Civil Disputes over Bank Cards.