一、问题的提出2008年7月,艾先生在民生银行提供的《中国民生银行信用卡(个人卡)领用合约》上签名,申请并领取了民生银行提供的VISA金卡。双方在合约中约定“除章程或本合约另有约定的情形之外,对持卡人的非现金交易,从记账日起至最后还款日之间的日期为免息还款一、问题的提出2008年7月,艾先生在民生银行提供的《中国民生银行信用卡(个人卡)领用合约》上签名,申请并领取了民生银行提供的VISA金卡。双方在合约中约定”除章程或本合约另有约定的情形之外,对持卡人的非现金交易,从记账日起至最后还款日之间的日期为免息还款 I. Issues raised In July 2008, Mr. Ai signed the “China Minsheng Bank Credit Card (Personal Card) Contract for Use” provided by Minsheng Bank and applied for and received the VISA Gold Card from Minsheng Bank. Both parties agree in the contract that “except for the articles of association or otherwise agreed in this contract, the date of non-cash transaction of the cardholder from the account date to the final repayment date shall be interest-free repayment 1, Issues raised In July 2008, Mr. Ai signed and signed the ”China Minsheng Bank Credit Card (Personal Card) Leasing Contract“ provided by Minsheng Bank and applied for and received the VISA Gold Card from Minsheng Bank Co., Ltd. Both parties agreed in the contract that ” Except as set forth in the Articles of Association or otherwise agreed in this contract, the non-cash transaction with the cardholder shall be interest-free repayments from the date of record to the date of the last repayment date