generally speaking, the full penalty interest is not complained to the Banking Insurance Regulatory Commission. Generally, the full penalty interest is an administrative reconsideration or a direct administrative lawsuit to the unit at the next higher level that made the administrative penalty.

the full penalty interest means that after the repayment deadline expires, the issuing bank will pay interest to the cardholder according to the total consumption amount, regardless of whether the credit card generates partial repayment in the current month. Penalty interest means that if the principal and interest of the loan cannot be repaid on schedule, the penalty interest will be collected according to the relevant regulations of the People's Bank of China. After the repayment deadline is exceeded, the issuing bank will interest the cardholder according to the total consumption amount regardless of whether the credit card has partially repaid in the current month.

according to article 7 of the measures for the supervision and administration of credit card business of commercial banks, credit cards refer to all kinds of media that record the relevant information of cardholders' accounts, have the functions of bank credit line and overdraft, and provide relevant banking services for cardholders.