有银行试点将信用卡逾期诉讼类费用计入账单 市民需注意什么？

Core Viewpoint - A major state-owned bank announced that starting from September 14, 2025, it will include litigation fees related to overdue credit card accounts in the billing statements, initially piloting in Shanghai before expanding to other regions. This adjustment aims to enhance overdue risk management and improve collection efficiency in the credit card industry under operational pressure [1][2]. Group 1: Credit Card Overdue Risk Management - The issue of bad debts from overdue credit cards has been a key focus for banks in asset quality control. When cardholders fail to repay their debts, banks may resort to litigation to recover the amounts owed [2]. - Typically, costs incurred during litigation, such as attorney fees and court costs, are initially borne by the bank and later determined by court rulings regarding who ultimately pays these costs [2][3]. - The new policy aims to strengthen overdue risk management and improve collection efficiency by allowing banks to recover litigation costs upfront, thus mitigating potential losses during the collection process [2][3]. Group 2: Financial Reporting and Collection Efficiency - Including litigation fees in credit card bills allows these costs to be classified under "accounts receivable," making it easier for banks to collect these amounts through customer repayments, as opposed to being categorized as "non-credit borrowings" which may require more active collection efforts [3]. - This operational change is expected to streamline the collection process, making it more straightforward for banks to recover costs associated with overdue accounts [3]. Group 3: Consumer Rights and Recommendations - The bank's policy states that litigation fees will not accrue interest or penalties, reflecting a cautious approach to avoid imposing additional burdens on cardholders and balancing risk management with consumer rights [4]. - Analysts suggest that other banks should proceed cautiously with similar policies, as consumer rights protection is increasingly prioritized, and such measures may face legal and compliance challenges [4]. - Cardholders are advised to plan their spending and repayment strategies carefully to avoid incurring additional financial and legal complications due to overdue payments [4].