The customer shall promptly repay all debts arising from the use of GDB cards, or repay the minimum repayment amount. Banks have the right to ask customers to pay off all debts on a specified date. ?
The so-called total debt, not a penny less. If it is a few cents, it will not be repaid in full.
According to Article 10 of CGB Credit Card Customer Agreement (Personal Card):
Banks have the right to apply to the people's court for the inclusion of customers who have not fulfilled their judgment obligations in the list of people who have been executed for dishonesty. The people's court will publicize the list of people who have been executed for dishonesty through newspapers, radio, television, internet and court bulletin boards. ?
In other words, if a few cents are overdue, the bank has the right to apply to the people's court to include the customer in the list of untrustworthy people. Therefore, a few cents less on a credit card will still affect personal credit.
Extended data:
Collection and payment of arrears
1. The bank has the right to call customers and guarantors directly by telephone, letter, SMS, WeChat, e-mail, face-to-face or judicial channels, and ask the contacts, close relatives and work units provided by customers to inform them of the call.
In this case, the bank has the right to provide necessary personal financial information such as customer identity information and arrears account information to guarantors, contacts, relatives and friends, work units and other willing compensators.
3. The customer authorizes the bank to directly deduct funds from the margin account opened by the customer and any other account to pay off GDB card debts, and the bank does not need to inform the customer before deduction. If the currency of the above account is inconsistent with that of the GDB account, it shall be converted according to the exchange rate published by the bank on the day of arrears or the indirect exchange rate calculated in US dollars. ?
CGB-CGB Credit Card Customer Agreement (Personal Card)