1. General Principles

1. According to the "Regulations of the People's Republic of China on the Administration of Credit Cards" and the "Measures of the People's Republic of China on the Administration of Credit Cards", Guangxi Gui Professional Credit Card Network Regulations on overdue loan processing guide customers to standardize the use of credit cards, maintain the order of credit card operations, and safeguard customer rights and interests.

2. The "credit card" referred to in these regulations refers to the technology, service and customer relationship credit card issued by Gui Professional Credit Card Online Loan, which is used for customers' consumption in Gui Professional Credit Card Online Loan.

2. Overdue processing

1. Credit card customers should return the installment amount on time within the validity period. If it is overdue, Gui Professional Credit Card Online Loan has the right to handle it in the following ways:

(1) Overdue for 1-3 days: Overdue penalty interest will be charged, and the amount of penalty interest will be calculated according to the standards agreed in the credit card contract.

(2) Overdue for 4-14 days: Overdue penalty interest will be charged, and the customer's card will be suspended during the validity period.

(3) Overdue for 15-30 days: Overdue penalty interest will be charged, and the customer’s account will be locked, and no transactions will be allowed.

(4) Overdue for 31-90 days: Overdue penalty interest will be charged, the customer's account will be permanently frozen, no transaction will be allowed, and the customer will be forced to repay the debt.

(5) Overdue for more than 90 days: Overdue penalty interest will be charged, and the customer’s account will be permanently frozen and no transaction will be allowed. Customers can apply for an online loan from Gui Professional Credit Card, and Gui Professional Credit Card will Online loans give you the opportunity to make reasonable arrangements for repayment.

2. During the overdue processing period, Gui Professional Credit Card Online Loan has the right to record relevant customer information and processing results in the customer's credit file. The customer's credit file will appear in various credit reports, affecting the customer. of future credit and loan applications.

3. These regulations shall be implemented from the date of promulgation.