Legal analysis: it can be exempted. Bank loans overdue generates penalty interest. If the user is overdue due to special reasons such as sudden unemployment, sudden serious illness or disability, the penalty interest may be reduced or exempted after verification by the bank. The user has no special reason, that is, overdue penalty interest. In this case, the bank will not reduce the penalty interest.

Legal basis: Article 3 of the Notice of the People's Bank of China on Issues Related to RMB Loan Interest Rate involves penalty interest rate. The default interest rate of overdue loans (loans that the borrower fails to repay on the date agreed in the contract) is changed from the current daily interest rate of 2. 1% to 30%-50% higher than the loan interest rate agreed in the loan contract; If the borrower fails to use the loan as agreed in the contract, the penalty interest rate will be changed from the current daily interest rate of five ten thousandths to 50%- 100% of the loan interest rate agreed in the loan contract. For loans that are overdue or not used according to the purpose agreed in this contract, interest will be charged at the default interest rate from the date when they are used in loans overdue or not according to the purpose agreed in this contract until the loan principal and interest are fully paid off. For the interest that cannot be paid on time, compound interest shall be calculated at the penalty interest rate.

Second, the traffic credit card repayment has been returned to CCB, but it is still wrong, and interest and late fees can be exempted. ...

No, for this reason, Bank of Communications will not adopt it, and the bank will take repayment as the basis.

3. Can the penalty interest of CCB be reduced?

After the credit card of CCB is overdue, it is necessary to negotiate with CCB to reduce overdue interest and principal. If the user is a high-quality customer of CCB, it will fail only because of sudden and unexpected reasons. At this time, CCB may agree to negotiate repayment and reduce some interest or principal. For overdue recidivists, the negotiation application will be directly rejected by CCB.

4. Can the penalty interest of CCB be reduced?

After the credit card of CCB is overdue, it is necessary to negotiate with CCB to reduce overdue interest and principal. If the user is a high-quality customer of CCB, it will fail only because of sudden and unexpected reasons. At this time, CCB may agree to negotiate repayment and reduce some interest or principal. For overdue recidivists, the negotiation application will be directly rejected by CCB.