Standard Answer: 2021年的信用卡新规定主要包括优化透支利率机制、规范信用卡透支、加强信用卡风险管理等方面，来说，新规定允许信用卡透支利率市场化浮动，取消了信用卡透支额度的上限，同时强化了对信用卡不良债务的催收和风险控制。
Explanation:
2021年的信用卡新规定主要是为了让信用卡市场更加健康有序，同时也给持卡人带来了一些实惠和便利，新规定允许信用卡透支利率市场化浮动，也就是说，信用卡的透支利率将根据市场情况进行调整，这会让持卡人在一定程度上享受到更低的利率，新规定取消了信用卡透支额度的上限，这意味着持卡人可以根据自己的需要和信用状况申请更高的透支额度。
当然，新规定也加强了对信用卡不良债务的催收和风险控制，这意味着，持卡人未能按时还款，将会面临更严格的催收措施，甚至会影响个人的征信记录，持卡人需要合理使用信用卡，避免逾期还款和过度透支。
In summary, the new credit card regulations in 2021 aim to make the credit card market more healthy and orderly, and also bring some practical benefits and conveniences to cardholders. However, cardholders should also be aware of the potential risks and use credit cards responsibly.
If you have any questions or concerns about the new credit card regulations in 2021, please feel free to leave a comment or visit our website for more information. We're here to help you understand and navigate the changes.
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