近些年来,我国商业银行信用卡业务蓬勃发展,信用卡品种日益丰富,信用卡功能亦不断创新。为防控风险,商业银行通常将全额罚息条款作为信用卡章程或者信用卡领用合约的必备条款。但在具体执 In recent years, the credit card business of commercial banks in our country thrived, the credit card variety was increasingly enriched, and the credit card functions were continuously innovated. To prevent and control risks, commercial banks usually use the full penalty clause as a prerequisite for a credit card subscription or credit card acceptance contract. But in specific enforcement