银行信用卡收费存在问题及建议

The Problems Existing in the Banks' Credit Card Charge and Suggestions

近年来,随着我国社会公众金融消费保护意识的不断增强,信用卡收费中的全额罚息、滞纳金和计收复利三种收费方式越来越受到质疑。罚息、滞纳金以及复利本质上都是违约金,其收取符合法律规定,但全额罚息条款是不公平条款,应予废除,滞纳金和复利的收取则应采取限额控制。

The three items of credit card charges such as full penalty interest,overdue fine and compound interest have been more and more challenged.Penalty interest,overdue fine and compound interest are essentially penalty due to breach of contract and charging them is in accordance with law.But full penalty interest is not fair,and should be abolished.Meantime,the charges of overdue fine and compound interest should be set a limit.