根据规定，当信用卡欠款拖欠6个月时，信用卡公司就要将其债务表上的债务降为零。
After a balance has been delinquent for six months, regulations require the card company to reduce the value of the debt on its books to zero.
倘若循环贷款户口的欠款结余超过信贷限额，我们可按服务收费表或贷款协议书征收超额贷款费用。
If the balance owing on the account for the revolving loan exceeds the credit limit, we may charge an overlimit fee as set out in the service fee table or Loan Agreement.
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