According to the credit card regulations, when the cardholder fails to repay the loan beyond the due repayment date, the card issuer has the right to collect the arrears by letter, SMS, e-mail, telephone, door-to-door, announcement or judicial channels. If the cardholder fails to pay off the debt after collection, the card issuer has the right to choose or take the following measures at the same time: stop using the credit card; Stop all credit card use by cardholders; Exercise the pledge right; The right of recourse against the guarantor; Deduct money directly from any account opened by the cardholder in the card issuer, etc.

For cardholders who do not meet the relevant laws and regulations and the Articles of Association, the card issuer has the right to cancel their cardholder qualification and stop using the cardholder's card without prior notice, and may authorize the personnel of relevant units to take back their credit cards.

If the cardholder violates the relevant provisions of the Articles of Association and causes losses to the card issuer, the card issuer has the right to apply for legal protection and investigate the legal responsibilities of the cardholder or related parties according to law.