According to the Measures for the Supervision and Administration of Credit Card Business of Commercial Banks:

Article 53

Without the cardholder's application and opening the card service exceeding the credit limit, the credit card shall not deduct the over-limit fee in any form. Cardholders can use oral (customer service telephone recording), electronic and written methods to open or cancel the card service that exceeds the credit limit. ?

The issuing bank must provide information such as the charging form and calculation method of the over-limit fee before opening the card service for the cardholder, and clearly inform the cardholder of the right to cancel the over-limit card service. After the issuing bank collects the overrun fee, it shall clearly list the overrun fee amount of the corresponding billing cycle in the statement.

Article 67

The issuing bank shall promptly remind the cardholder of the overdraft amount due and the repayment date. Unless the cardholder provides false information or changes the contact information without notifying the issuing bank.

Article 68

The issuing bank shall collect money from the debtor himself and his guarantor, and shall not collect money from a third party unrelated to the debt, or use improper means such as violence, coercion, intimidation or abuse. The collection process shall be recorded, and the recorded materials shall be kept for at least 2 years for future reference.

Extended data:

According to the Measures for the Supervision and Administration of Credit Card Business of Commercial Banks:

Article 54

After the cardholder applies for opening the card service for exceeding the credit limit, the issuing bank can only provide the card service for exceeding the credit limit once in a billing cycle, and can only charge the over-limit fee once in a billing cycle.

If the cardholder continuously requests to pay the over-limit fee to complete the overdraft transaction exceeding the credit limit within two consecutive billing cycles, the card-issuing bank must immediately stop the card service exceeding the credit limit after the second billing cycle.

Until the outstanding amount of the credit card falls below the original credit limit of the credit card, the card service exceeding the credit limit can be reopened according to the cardholder's re-application.

Article 55

The issuing bank shall not provide credit card services beyond the credit line for credit card transfer (transfer out) and cash withdrawal. The total amount of credit card overdraft transfer (transfer out) and cash withdrawal shall not exceed the credit limit of credit card cash withdrawal.

Article 56

The issuing bank shall formulate the credit card transaction authorization and risk monitoring management system, and be equipped with necessary equipment, systems and personnel to ensure 24-hour transaction authorization and real-time monitoring. For credit card accounts with suspicious transactions, risk management measures such as contacting the cardholder to confirm, adjusting the credit line, locking the account and stopping payment urgently should be taken in time. ?

The issuing bank shall conduct risk investigation by telephone verification, contacting the acquiring bank, adjusting the bill or visiting the site, handle suspicious transactions in time, and report the case to the public security organ in time when necessary.

Article 57

The issuing bank shall clearly stipulate in the credit card collection contract (agreement) the specific operation process of repaying the credit card loan with the relevant assets of the cardholder, and shall not directly offset the credit card receivables with the assets of the cardholder without the authorization of the cardholder.

Unless otherwise stipulated by national laws and regulations. When the issuing bank receives the repayment from the cardholder, it will repay all the debts in its credit card account in the following order: if it is overdue for 1-90 days (inclusive), it will repay the interest or expenses first and then the principal; If the overdue period exceeds 9 1 day, the principal shall be repaid first, and then the interest or various expenses shall be repaid.

Article 58

When issuing banks provide credit card inquiry and payment services through self-service channels, they must verify passwords or credit card verification codes. If it is really impossible to verify the password or credit card verification code, the issuing bank shall determine the information verification rules of self-service channel credit card service according to the transaction type, risk nature and risk characteristics to ensure the safety of card use.

Article 59

The issuing bank shall provide 24-hour loss reporting service, promptly accept the cardholder's application for loss reporting through business outlets, customer service telephone or electronic banking, and take corresponding risk control measures.

Article 60

The issuing bank shall provide information inquiry service, and publicize credit card products and services, instructions for use, articles of association, contracts (agreements), charging items and standards, risk warnings and other information to cardholders through bank websites, card manuals, electronic banking and other channels.

Article 61

The issuing bank shall provide reconciliation service. The statement should at least include the transaction date, transaction amount, transaction currency, name or code of the transaction merchant, repayment amount in the current period, minimum repayment amount in the current period, due repayment date, matters needing attention, service telephone number of the issuing bank and other elements.

The specific form of reconciliation service shall be agreed by the issuing bank and the cardholder. When the issuing bank provides the cardholder with service vouchers such as statements, it shall partially block the credit card number and shall not display the complete card number information. Except for the business vouchers printed by the bank counter for business.

Article 62

The issuing bank shall provide complaint handling services, establish a unified and efficient complaint handling process according to the characteristics and complexity of credit card products (services), clarify the complaint handling management department, and open the complaint handling channels.

Baidu Encyclopedia-Measures for the Supervision and Administration of Credit Card Business of Commercial Banks