According to Article 14 of the China Bank Card Industry Self-discipline Convention, member units should strive to improve the quality of credit card services, provide humanized services for cardholders, advocate credit card issuers to establish "tolerance service and time-tolerant service" for credit card repayment, or give interest relief to the overdrawn part of credit cards during the interest-free repayment period.

Member units providing "time-tolerant service" for cardholders shall provide cardholders with a certain period of repayment grace period service, and the repayment grace period shall be at least 3 days from the due repayment date; If the cardholder repays within the repayment grace period, it is deemed that the cardholder repays on time.

Member units provide "tolerance service" for cardholders. If the cardholder fails to repay in full in the current period, and the unpaid part in the account after the due repayment date is less than or equal to a certain amount (at least equivalent to RMB 10 yuan), it is deemed that the cardholder has repaid in full.

Extended data:

The relevant requirements of China Bank Card Industry Self-discipline Convention stipulate that:

1、? Member units shall strictly abide by relevant national laws, regulations and rules, and establish and improve the internal control and information management system of bank card business. Member units and their employees shall consciously abide by business ethics, and shall not denigrate the business reputation of other member units in any form, and shall not interfere with or influence the market order of bank card business by any improper means.

2, member units should strengthen the supervision and management of employees, strengthen professional ethics education and professional ability training, and constantly improve the professional ethics and professional quality of employees.

3. Member units should develop special merchants in strict accordance with relevant laws, regulations and regulatory requirements, follow the principles of fairness, justice and unity, and may not maliciously reduce the settlement fee rate of merchants through mismatched merchant categories.

Baidu Encyclopedia-China Bank Card Industry Self-discipline Convention