第二章为信用卡业务中侵犯消费者权益的问题。

The second chapter is the question in the credit card service encroaches upon the consumer rights and interests.

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他们说他们还担心可能会出现惩罚出错的情况，同时消费者组织也警告说，这项法律可能会侵犯互联网用户的正当权益。

They say they are also worried that the wrong people could be penalised, while consumer groups warn the planned laws could infringe the rights of Internet users.

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