After receiving the application form and related materials submitted by the applicant, the issuing bank shall review the applicant's credit standing. The contents of the audit mainly include whether the contents of the application form are true, evaluating the credit degree of the applicant, and auditing the relevant information of the personal guarantor.

Usually, the bank will review the information and economic situation of the applicant according to the application materials to judge whether to issue a credit card to the applicant. The factors considered include the applicant's past credit record, the applicant's known assets, professional characteristics, etc. The specific factors and process of the issuer's audit are trade secrets, which are generally difficult for the outside world to understand.

Different card-issuing banks have different standards. Therefore, the same materials may have different credit lines and different types of credit cards in different banks, and even some banks will pass the examination and some banks will refuse to issue them.

According to the data of Internet Information Center, as of June 20 14, the number of online shopping users in China reached 332 million, ranking first in the world. Among them, 3 1.8% of consumers with online shopping experience have experienced online fraud, with a scale of 6 1.69 million.

In addition, Shanghai Banking Regulatory Bureau issued seven administrative penalty decisions on June 5438+065438+ 10, and imposed a total fine of 2.4 million yuan on seven commercial banks under its jurisdiction. The reason for the punishment is that these banks failed to verify the authenticity of the applicant's information according to law, over-granted credit, and failed to control abnormal transactions, resulting in the failure to protect the legitimate rights and interests of cardholders.

From the credit card risk data released by major banks in the third quarter, it is found that the wind direction indicators such as the new non-performing rate and the new loss rate of most banks continue to soar. The data shows that as of the end of the third quarter, the new NPL ratio in this industry was 1.47%, up by 0.06 percentage point from the second quarter.

Baidu encyclopedia-credit card

People's Network-Bank credit card risk control strategies are different.