Legal analysis: China Banking Regulatory Commission, the central bank, has issued a notice to reasonably postpone the repayment period. If novel coronavirus can't go to work and his credit card can't be repaid on time, the Central Bank and the China Banking Regulatory Commission have issued the Notice on Strengthening Banking Insurance Financial Services to Prevent and Control Pneumonia in novel coronavirus on June 26th, 2020. Article 3 clearly puts forward that for those who have lost their livelihood due to the epidemic, the credit policy should be appropriately tilted, the repayment arrangements of personal credit such as housing mortgage loans and credit cards should be flexibly adjusted, and the repayment period should be reasonably postponed.

Legal basis: Article 3 of the Notice on Strengthening Banking Insurance Financial Services to Prevent and Control Pneumonia Infection in novel coronavirus clearly stipulates that for those who have lost their livelihood due to the epidemic, the credit policy should be appropriately tilted, the repayment arrangements of personal credit such as housing mortgage loans and credit cards should be flexibly adjusted, and the repayment period should be reasonably postponed.