Credit Card Business Supervision and Management Regulations: Article 57 When the card-issuing bank receives repayment from the cardholder, it will offset the various arrears of its credit card account in the following order: overdue for 1-90 days (inclusive), the repayment will be made in the order of interest receivable or various expenses first, and then the principal; if the amount is overdue for more than 91 days, the repayment will be made in the order of principal first, then the interest receivable or various expenses. Article 70 Under special circumstances, if it is confirmed that the amount owed by a credit card exceeds the cardholder's repayment ability and the cardholder is still willing to repay, the card-issuing bank may negotiate with the cardholder on an equal footing to reach a personalized installment repayment agreement. . The maximum term of a personalized installment agreement shall not exceed 5 years.

The "Measures for the Supervision and Administration of Credit Card Business of Commercial Banks" have corresponding provisions: Article 57 The card-issuing bank shall clearly stipulate in the credit card acceptance contract (agreement) that the credit card shall be repaid with the relevant assets of the cardholder Regarding the specific operating procedures for loans, credit card receivables cannot be directly offset with the cardholder's assets without the authorization of the cardholder. Except as otherwise provided by national laws and regulations. When the card-issuing bank receives repayment from the cardholder, if it is overdue for 1 to 90 days (inclusive), the repayment will be made in the order of interest or fees receivable first, and then the principal; if it is overdue for more than 91 days, the repayment will be made in the order of principal first. , and then offset the interest receivable or various expenses in the order.

Relevant legal provisions of the "Measures for the Supervision and Administration of the Credit Card Business of Commercial Banks": Article 66 The card issuer shall provide evidence to prove that the cardholder is at fault for the fraudulent use of counterfeit credit cards, and the claim is within the scope of the cardholder's fault. If the liability of the card issuing bank is reduced or exempted, the people's court shall support it. If the cardholder fails to take timely measures to prevent the loss from expanding, and the card issuer claims that the cardholder should bear the responsibility for the expansion of the loss, the people's court shall support it. Due to the failure of acquirers, special merchants and other entities to fulfill their audit obligations, resulting in theft of counterfeit cards, the cardholder files a lawsuit against the card issuer to bear liability for breach of contract. If the card issuer takes responsibility and seeks compensation from the faulty acquirer or special merchant, the People's Court will should be supported. Article 67 After the card issuing bank assumes the liability for breach of contract, it requires the person who used the counterfeit card to bear the liability for compensation according to the law, or after the acquiring institution or the special merchant assumes the responsibility, it requests the person who used the counterfeit card to bear the liability for compensation according to the law, the people's court shall be supported.