The national policy on credit cards during the epidemic is as follows:

First, targeted deferment of repayments. For those quarantined credit card users who are diagnosed and hospitalized, users who are quarantined due to epidemic prevention and control, users who are unemployed or bankrupt due to the epidemic, or users who are unable to repay in time due to epidemic prevention and control, they are allowed to defer their repayments appropriately.

Second, adjust the impact of overdue adjustments. For specific users who are overdue due to the impact of the epidemic, cardholders first need to explain the situation to the bank. After verification, the bank may not upload your overdue records to the system. Appropriate adjustments can also be made for users who have already uploaded to the system. In other words, overdue dues caused by the epidemic will not be included in the record of breach of trust. Customers can directly contact the loan handling bank, or they can call the Agricultural Bank of China customer service center to register information. The handling bank will provide a reasonable extension of repayment time, exemption from credit reporting, and reduction of penalty interest based on the actual situation.

A credit card, also called a credit card, is a credit certificate issued by a commercial bank or credit card company to consumers with qualified credit. It takes the form of a card with the issuing bank's name, validity period, number, cardholder's name and other contents printed on the front, and a magnetic stripe and signature strip on the back. Consumers holding credit cards can shop or consume at specially designated commercial service departments, and then the bank will settle the accounts with merchants and cardholders. Cardholders can overdraft within the prescribed limit.

If you fail to start a business due to the epidemic, or you are seriously ill or diagnosed and hospitalized, you can bring relevant certificates to negotiate with the bank. If the materials prepared at that time are complete, the bank will generally reduce the amount as appropriate. For customers who have difficulty repaying their loans on time due to the epidemic, including those who are hospitalized or quarantined due to infection with new pneumonia, those who need to be quarantined for epidemic prevention and control, staff participating in epidemic prevention and control, and Bank of Communications credit card customers who have temporarily lost their source of income due to the epidemic, Appropriately extend the repayment period and reduce or reduce related fees according to customer needs.

Legal basis:

Article 70 of the "Measures for the Supervision and Administration of Credit Card Business of Commercial Banks"

Under special circumstances, it is confirmed that the amount owed by a credit card exceeds the amount of the credit card holder. If the cardholder's ability to repay the card is insufficient and the cardholder is still willing to repay, the card-issuing bank can negotiate with the cardholder on an equal footing to reach a personalized installment repayment agreement. The maximum term of a personalized installment agreement shall not exceed 5 years.