This statement is inaccurate and irresponsibly misleading.

In our country, credit card debts need to be repaid in accordance with legal provisions, and there is no so-called new rule of "no need to repay".

1. The legal nature of credit card debt

Credit card debt is essentially a contractual debt, which is a monetary debt based on the credit card use contract between the cardholder and the bank. . According to the laws of our country, any form of debt needs to be repaid, and credit card debt is no exception.

2. Legal Consequences of Non-repayment of Credit Card Debt

If the cardholder fails to repay the credit card debt on time, the bank has the right to take legal measures to recover. This may include filing a lawsuit in court to order the cardholder to repay the amount owed. At the same time, overdue repayments may also cause damage to credit records, affect personal credit ratings, and then affect financial activities such as loans, house purchases, and car purchases in daily life.

3. National policy on credit card arrears

The state has always maintained a strict supervisory attitude towards the issue of credit card arrears and regulated the credit card market by formulating relevant laws, regulations and policy measures. Protect consumer rights and interests. At the same time, the state also encourages banks and cardholders to resolve credit card debt disputes through negotiation, mediation and other methods to avoid overly drastic recovery methods.

4. Correctly view the issue of credit card debt

Credit cards, as a convenient payment tool, play an important role in daily life. However, cardholders should use credit cards rationally and avoid overspending and overdrafts. If unfortunately you are in debt, you should actively communicate and negotiate with the bank to formulate a reasonable repayment plan and pay off the debt as soon as possible.

In summary:

The statement circulating on the Internet that "the country's new regulations stipulate that credit cards do not need to be repaid" is inaccurate. Credit card debts need to be repaid in accordance with legal regulations. Cardholders should use credit cards rationally to avoid defaults. If there is a debt situation, you should actively communicate and negotiate with the bank to pay off the debt as soon as possible to maintain your personal credit record and avoid unnecessary legal disputes.

Legal basis:

"Contract Law of the People's Republic of China"

Article 206:

The borrower shall repay the loan within the agreed time limit. If there is no agreement on the loan period or the agreement is unclear, and it cannot be determined in accordance with the provisions of Article 61 of this Law, the borrower may return the loan at any time; the lender may urge the borrower to return the loan within a reasonable period of time.

"Criminal Law of the People's Republic of China"

Article 175 stipulates:

Obtaining loans from banks or other financial institutions by deceptive means , bill acceptance, letter of credit, letter of guarantee, etc., causing serious losses to banks or other financial institutions, he shall be sentenced to fixed-term imprisonment of not more than three years or criminal detention, and concurrently or solely to a fine; whoever causes particularly heavy losses to banks or other financial institutions shall be sentenced to A term of imprisonment of not less than three years but not more than seven years, and a fine.