问题一:给信用卡透支以消费贷款待遇。照原有规定,透支是持卡人万不得已时采用的方式,虽然规定了善意透支有宽限期,但透支仍属限制行为。而信用卡少了这种信用功能,就失去了存在的意义。现在有的银行开办的信用卡消费贷款等同于一般柜台消费贷款,未能体现信用卡的特点。应当考虑将透支改为贷款额度管理,消费者凭卡消费一笔就是向银行贷款一笔。问题二:增加贷款额度。过去透支额度一般为千元以内。目前有的银行已经出台了五万元的贷款额度。值得注意的是,除了增加额度外,还应该尽快制定全国统一标准,避免竞争中出现混乱。问题三:降低罚息标准。现 One problem: overdraft credit card to consumer loans treatment. According to the original rules, overdraft is a cardholder’s last resort. Although a grace period is provided for overdraft, overdraft is still a restriction. The lack of credit card credit function, it lost the meaning of existence. Some banks now have credit card consumer loans equivalent to the general consumer credit card, failed to reflect the characteristics of credit cards. Should consider the overdraft management of credit lines, consumers spending a single card is a loan to the bank. Question two: increase the loan amount. In the past the amount of overdraft is generally less than one thousand yuan. Some banks have already issued loan quotas of 50,000 yuan. It is worth noting that in addition to increasing the quota, a unified national standard should also be formulated as soon as possible to avoid any confusion in the competition. Three questions: to reduce the penalty standard. Now