According to the Contract Law of People's Republic of China (PRC), the debtor has the right to require the creditor to issue a debt settlement certificate. After the credit card is paid off, the cardholder can apply to the Bank of Communications for proof of settlement. According to the Bank of Communications Credit Card Repayment Guide, cardholders can check the balance of credit card accounts through online banking, mobile banking and counters. After paying off all debts, apply to the bank for a settlement certificate.

For cardholders, it is very important to obtain a settlement certificate, which can prove that they have paid off all the arrears and avoid affecting their personal credit records because of credit card arrears.