随着人们生活水平的提高及金融意识的加强,信用卡需求量逐渐增大。伴随着信用卡使用率的提高,信用卡透支纠纷也逐渐增多。如何正确对待并处理好这些纠纷,对提高信用卡使用性能和保障国家资金的安全至关重要。本文从督促程序和民事诉讼程序两个方面阐述了如何解决信用卡透支纠纷,探讨了两种程序存在的不足和对其进行完善的措施,从而最终保障信用卡透支纠纷的妥善解决。 With the improvement of people’s living standards and financial awareness, the demand for credit cards has gradually increased. With the increase of credit card usage, credit card overdrafts have also gradually increased. How to properly handle and handle these disputes is crucial for improving credit card performance and safeguarding the security of state funds. This article elaborates how to solve the overdraft dispute of credit card from two aspects of supervising procedure and civil procedure. It also discusses the shortcomings of the two kinds of procedures and measures to perfect it, so as to guarantee the proper settlement of the overdrafts of credit card.