Legal analysis: the bank violates Article 57 of the Regulations on Credit Card Management: if the issuing bank has one of the following circumstances, it will be punished according to the Law of People's Republic of China (PRC) City Commercial Bank and the relevant provisions on cash management: (1) Failure to implement the prescribed deposit interest rate; (2) Failing to pay the deposit reserve to the People's Bank of China as required; (3) helping cardholders to withdraw cash in violation of regulations.

Legal basis: Article 57 of the Interim Measures for the Administration of Credit Card Business If the card-issuing bank has any of the following circumstances, it shall be punished in accordance with the Law of People's Republic of China (PRC) City Commercial Bank and the relevant provisions on cash management: (1) Failure to implement the prescribed deposit interest rate; (2) Failing to pay the deposit reserve to the People's Bank of China as required; (3) helping cardholders to withdraw cash in violation of regulations.