according to the current law, China's mediation system mainly includes court mediation, people's mediation and administrative mediation. Court mediation, also known as judicial mediation and litigation mediation, refers to the activities carried out by the court when trying various cases, presided over by the court, and the parties reach an agreement through equal consultation, thus solving disputes.
administrative mediation refers to the activities of the state administrative organs with the function of mediating disputes, based on national policies and laws, on the principle of voluntariness, on the basis of distinguishing responsibilities and distinguishing right from wrong, and through persuasion and education, to urge both parties to understand each other and make concessions, so as to reach an agreement to resolve disputes. People's mediation refers to a mass activity under the auspices of the people's mediation committee, which persuades and educates the parties to civil disputes, persuades them to make mutual understanding and accommodation, and eliminates disputes.
a credit card, also known as a debit card, is a credit certificate issued by a commercial bank or credit card company to a consumer with qualified credit. It is in the form of a card with the name, expiration date, number and cardholder's name printed on the front, and a magnetic stripe and signature strip on the back. Consumers with credit cards can go to special commercial service departments for shopping or spending, and then the bank will settle accounts with merchants and cardholders, and cardholders can overdraw within the prescribed limit.
the credit card stipulated in the relevant laws of our country (the NPC Standing Committee's Interpretation of the Provisions on Credit Cards) refers to the electronic payment card issued by commercial banks or other financial institutions with all or part of the functions of consumer payment, credit loan, transfer settlement, cash deposit and withdrawal [1-2]. On December 1, 217, the Standard for English Translation and Writing in Public Service Field was officially implemented, stipulating that the English name of the Credit Card standard is Credit Card.
Credit card consumption is a non-cash transaction payment method, and there is no need to pay cash when spending, and repayment will be made on the billing date.
Credit cards are divided into credit cards and quasi-credit cards. Credit cards refer to credit cards with a certain credit limit within which the cardholder can spend first and then repay. Quasi-credit card refers to a quasi-credit card in which the cardholder deposits a certain amount of reserve fund as required, and when the balance of the reserve fund account is insufficient to pay, it can be overdrawn within the specified credit limit. The credit card generally refers to a credit card.
from January 1, 221, the credit card overdraft interest rate will be determined by the card issuer and the cardholder through independent negotiation, and the upper and lower limit management of the credit card overdraft interest rate will be cancelled (the original upper limit is .7 times of the daily interest rate, and the lower limit is .7 times of the daily interest rate).