Credit cards are automatically phased without the cardholder's knowledge, and can be changed through consultation with the bank. If losses are caused, the bank may demand compensation; if negotiation fails, no lawsuit can be brought.

People's Republic of China (PRC) (China) Contract Law

Chapter V Alteration and Assignment of Contract

Article 77 The parties may modify the contract through consultation.

Where laws and administrative regulations stipulate that the alteration of a contract shall go through the formalities of approval and registration, such provisions shall prevail.

Article 107 If a party fails to perform its contractual obligations or fails to perform the contractual obligations in conformity with the contract, it shall be liable for breach of contract such as continuing to perform, taking remedial measures or compensating for losses.