The defect of credit card system in China reflects mainly in the absences of personal credit system, personal bankrupt system, guarantee system of credit card and united consumption credit law.

• 我国信用卡业务的制度缺陷主要体现在银行对持卡人拖欠透支款缺乏有效的催收措施、健全的个人信用制度、个人破产制度、信用卡担保保证制度以及完善、统一的消费信贷法规。