Legal analysis:

1. Minimum repayment amount

According to the new regulations, the cardholder’s minimum repayment amount for a credit card bill may not be 10% of the bill. %. Cardholders can negotiate the minimum repayment amount with the bank based on their current financial situation. If the bank allows it, the minimum repayment amount can even be lower than 10%.

2. Interest-free on bills

If the cardholder is really unable to repay the bill, but has a certain income to support the repayment, the cardholder can apply for interest-free with the bank Repayment. According to regulations, if the cardholder does not have sufficient repayment ability, the credit card can be interest-free for up to 60 months, which is five years.

3. Overdue prosecution

The sentencing standard for credit cards has been increased from the previous 10,000 yuan to 50,000 yuan. The 50,000 yuan here refers to the principal and does not include penalty interest. If a cardholder owes more than 50,000 yuan and fails to repay for more than three months, the bank will prosecute the cardholder for "malicious overdraft" and other crimes. If the bank files a criminal lawsuit, the cardholder may be held criminally liable.

Legal basis:

"Measures for the Supervision and Administration of Credit Card Business of Commercial Banks" Article 57 The money repaid within 90 days of arrears will be offset against the sequential interest liquidated damages, and the amount overdue for more than 90 days The arrears are offset against the sequential principal and interest liquidated damages.