1. Stop collection: Everbright Credit Card is overdue, and Everbright Bank must stop illegal collection.

2. Stop increasing interest and liquidated damages: The new regulations stipulate that the upper limit of overdue interest for credit cards is five ten thousandths, and the lower limit of overdue interest is 70% of five ten thousandths per person.

3. The minimum repayment amount can be lower than 10%: the minimum repayment amount of a bank is not necessarily 10%, and this ratio can be decided by the bank itself.

4. Reduce and exempt the incurred expenses such as interest and liquidated damages: cancel the overdue fines and interest of credit cards and replace them with liquidated damages. The liquidated damages shall be calculated as 5% of the remaining unpaid amount.

5. Time change of interest-free period: The new regulations stipulate that the interest-free period of banks can be set by themselves, with a maximum of 60 days.