Legal analysis: Liquidated damages write-offs are some activities of bank credit cards. Use bank funds to spend in advance and enjoy the interest-free period. This is a way to manage your finances. A credit card is not a savings card, and interest will not be charged on deposits in the credit card. Credit cards can be used as payment tools and can be consumed directly through the card swiping machines installed by merchants or online payment platforms. Banks will also provide you with various forms of points, discounts, installments, draws, promotions and other activities.

Legal basis: "The People's Republic of China and the Civil Code"

Article 578: If one party expressly expresses or shows by its own conduct that it will not perform its contractual obligations, the other party shall You can request it to bear liability for breach of contract before the expiration of the performance period.

Article 585: The parties may agree that when one party breaches the contract, it shall pay a certain amount of liquidated damages to the other party based on the circumstances of the breach, and may also agree on a method for calculating the amount of compensation for losses arising from the breach of contract.

If the agreed liquidated damages are lower than the losses caused, the People's Court or the arbitration institution may increase the amount according to the request of the parties; if the agreed liquidated damages are excessively higher than the losses caused, the People's Court or the arbitration institution may increase the amount according to the request of the parties. The party's request shall be appropriately reduced.

If the parties agree on liquidated damages for delayed performance, the defaulting party shall also perform its debts after paying the liquidated damages.