CBRC is not an executing agency, and will not handle overdue credit cards. This problem is managed by the issuing bank. CBRC will only adjust the credit card policies such as penalty interest, late payment fee and repayment period, and will not directly contact with cash flow.

China Banking Regulatory Commission generally refers to China Banking Regulatory Commission, which is a ministerial institution directly under the People's Republic of China and the State Council to supervise and manage banking financial institutions in a unified way and safeguard the legal and steady operation of the banking industry.