The Measures for the Supervision and Administration of Credit Card Business of Commercial Banks have corresponding provisions:

Article 57 The issuing bank shall clearly stipulate in the credit card collection contract (agreement) the specific operation process of repaying credit card loans with the relevant assets of the cardholder, and shall not directly offset the credit card receivables with the assets of the cardholder without the authorization of the cardholder.

When the issuing bank receives the repayment from the cardholder, it will repay all the debts in its credit card account in the following order: if it is overdue for 1-90 days (inclusive), it will repay the interest or expenses first and then the principal; If the overdue period exceeds 9 1 day, the principal shall be repaid first, and then the interest or various expenses shall be repaid.

Extended data:

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Relevant provisions of the Measures for the Supervision and Administration of Credit Card Business of Commercial Banks:

Thirty-fifth establish a regular on-site inspection system for special merchants. For newly signed merchants, merchants who sell volatile cash goods (such as jewelry and computers), and merchants who have had suspicious transactions, suspected fraudulent transactions or suspected of assisting cardholders to cash out.

High-risk merchants with bad records should increase the frequency of on-site inspections. Strictly manage the transaction authorization of high-risk businesses such as consumption cancellation, return and consumption adjustment.

Article 36? When it is found that the relevant merchants are suspected of illegally accepting bank cards, the acquiring institution shall promptly investigate, verify and correct them. If the acquiring institution is suspected of accepting fake cards, illegally recording information, cashing in or cheating, it may suspend its bank card transactions.

Baidu Encyclopedia-Measures for the Supervision and Administration of Credit Card Business of Commercial Banks