The overdue credit card regulations are as follows:

1. Liquidated damages replace late payment fees;

2. Credit card sentencing standards are increased;

3. Minimum The repayment amount may be less than 10%;

4. Set upper and lower limits on overdraft interest rates;

5. The interest-free period may exceed 60 days;

6 , Credit card cash withdrawals are included in the minimum repayment amount.

What to do if your credit card is overdue and unable to repay it

1. Apply for negotiated installment. For users who cannot afford it, the China Banking and Insurance Regulatory Commission will give them the right to apply for personalized installments. You can apply to the corresponding bank to repay the current overdue debt in installments;

2. Repay part of the amount every month. Providing that you are not maliciously overdue can prevent the bank from prosecuting the user for capital fraud;

3. Find help from relatives and friends. This can avoid the increase in debt caused by long overdue periods.

Legal basis: Article 196 of the "Criminal Law of the People's Republic of China"

The crime of credit card fraud involves one of the following circumstances: carrying out credit card fraud activities with a relatively large amount If the amount is huge or there are other serious circumstances, the sentence shall be not less than five years but not more than 10 years of fixed-term imprisonment and a fine of not less than 20,000 yuan but not more than 200,000 yuan. A fine of not more than 500,000 yuan; if the amount is particularly huge or there are other particularly serious circumstances, the sentence is to be not less than 10 years in prison or life imprisonment, and a fine of not less than 50,000 yuan but not more than 500,000 yuan, or property confiscation:

(1) Using a forged credit card, or using a credit card fraudulently obtained with false identification;

(2) Using an expired credit card;

(3) Using it fraudulently Others’ credit cards;

(4) Malicious overdrafts.

The term "malicious overdraft" as mentioned in the preceding paragraph refers to the cardholder's behavior of overdrafting beyond the prescribed limit or within the prescribed period for the purpose of illegal possession and failing to return the card after being called upon by the card-issuing bank.

Whoever steals a credit card and uses it for the crime of theft shall be convicted and punished in accordance with the provisions of Article 264 of this Law.