First, the current unified credit card overdraft interest rate standards are cancelled, and the upper and lower limit range management of overdraft interest rates is implemented. The upper limit of overdraft interest rates is 0.5/10,000 of the daily interest rate, and the lower limit of the overdraft interest rate is 0.001/10,000 of the daily interest rate. 30% off 5. Interest rates are expected to be lower.

Secondly, late payment fees on credit cards have been cancelled, but this does not mean that there is no penalty for non-payment. Instead, the bank will charge "liquidated penalties" instead. In other words, how to collect liquidated damages in the future may be decided jointly by the credit card center and the cardholder, and the cardholder will have the opportunity to "shop around."

Third, the daily ATM cash withdrawal limit is increased to 10,000 yuan: the daily cumulative limit of each card for cardholders to handle advance cash withdrawals through ATM machines is increased from 2,000 yuan to 10,000 yuan. .

Fourth, over-limit fees can no longer be charged for card issuance.

Fifth, fees are collected in one go and no interest is allowed to accrue: Card issuers are not allowed to accrue interest on the liquidated damages and annual fees, cash withdrawal fees, currency exchange fees and other service fees collected from cardholders.