Credit card exemption means that credit card holders can reduce or exempt the credit card repayment amount under certain conditions, thereby reducing the credit card holder's repayment burden. Specifically, credit card deductions can include credit card minimum repayments, credit card late fees, credit card processing fees, etc. Credit card deductions and exemptions are a benefit of credit card services, and are preferential measures launched by financial institutions in order to establish their own image and expand market share.

Although credit card deductions can reduce the burden on credit card holders, they are not easily available. Normally, banks will decide whether to grant relief based on factors such as the cardholder's credit situation and repayment history. For example, on some specific holidays, banks will give credit card holders fixed amounts or proportional discounts based on their consumption; some banks will require cardholders to pay off a certain percentage of the repayment amount before they will consider it. Whether to grant reduction or exemption.

What needs to be noted about credit card relief is that even if credit card relief is obtained, cardholders cannot take it lightly and try to postpone repayment or not make repayment. Once you delay repayment, you will face high late fees and overdue interest, and your personal credit record may even be affected. Therefore, when borrowing a credit card, you must use your credit limit rationally, plan your consumption plan reasonably, and ensure that you can repay the loan in full and on time to maintain a good credit record and a healthy personal financial status.