Legal analysis: Civil liability for credit card disputes: After the cardholder applies for a credit card, he has established a contractual relationship with a financial institution, so the civil liability for credit card disputes is the liability for breach of contract. As stipulated in the credit card collection contract, the cardholder is obliged to repay the minimum repayment amount before the due repayment date, otherwise it will constitute a breach of contract (overdue).

Legal basis: Civil Code of People's Republic of China (PRC).

Article 577 Where a party fails to perform its contractual obligations or fails to perform its 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.

Article 578 Where a party expressly expresses or shows by his own behavior that he will not perform his contractual obligations, the other party may require him to bear the liability for breach of contract before the time limit for performance expires.

Article 579 If one party fails to pay the price, remuneration, rent or interest, or fails to perform other monetary obligations, the other party may demand payment.