Legal analysis: It can be reduced or reduced under special circumstances. There are mainly two types:

1. Overdue liquidated damages due to unemployment, critical illness, charges not explained by the bank, unknown expenses, etc.

2. Overdue liquidated damages caused by negotiating with the bank to postpone repayment before the specified repayment date.

Except for the above two situations, under normal circumstances, credit card overdue regulations cannot exempt liquidated damages.

Legal basis: Article 490 of the "People's Republic of China and Civil Code" Where the parties conclude a contract in the form of a contract, the contract is established when both parties sign, seal or fingerprint. Before signing, sealing or fingerprinting, one party has performed its main obligations and the contract is established when the other party accepts it.

Laws and administrative regulations or the parties agree that a contract should be concluded in writing. If the parties do not use writing but one party has performed its main obligations and the other party accepts it, the contract is established.