As the bank will not easily modify the regulations, cardholders need to pay attention to their card use habits and use their cards reasonably and legally:

1) handle credit cards through formal channels and know the credit card treaty.

2) Return the credit card overdraft limit on time. Once overdue, the interest and penalty interest generated are often huge, even several times higher than the principal.

3) Never use a credit card with malicious overdraft, otherwise it will violate the criminal law and constitute a crime.

4) Once the credit card is stopped, it should be cancelled in time, otherwise it will continue to generate annual fees, resulting in bad records in the personal credit information system.