1, liquidated damages instead of late fees. Although both expenses are less than 5% of the unpaid part of the minimum repayment amount, the liquidated damages will prevent the profits from rolling;

2. Credit card sentencing standards have been improved. The sentencing standard was raised from 1 10,000 yuan to 50,000 yuan;

3. The minimum repayment amount may be lower than10%;

4. Set the upper and lower limits of overdraft interest rate;

5. Interest-free period or more than 60 days;

6. Cash withdrawal by credit card is included in the minimum repayment amount. The withdrawal amount of the current month enters the minimum repayment amount of the current month, and it must be repaid in one lump sum, otherwise it will be overdue.

Legal basis: Article 675 of the Civil Code of People's Republic of China (PRC).

The borrower shall repay the loan within the agreed time limit. If the term of the loan is not agreed or clearly agreed, and cannot be determined according to the provisions of Article 510 of this Law, the borrower may return it at any time; The lender may urge the borrower to return it within a reasonable period of time.

How to repay the credit card

1, automatic repayment business repayment. If the bank that handles the credit card also handles the savings card, it can open the automatic repayment service, and the automatic repayment can be realized when the balance in the savings card is sufficient;

2.ATM repayment. At the ATM of the credit card issuing bank, you can repay by saving money;

3. Third-party platform repayment. You need to charge a certain handling fee.