According to Article 38 of the Measures for the Supervision and Administration of Credit Card Business of Commercial Banks, the issuing bank shall openly and clearly inform the applicant of the application materials and basic requirements. The application materials must be signed by the applicant himself, and the card shall not be issued without the customer's knowledge or against the customer's wishes.

The application materials for the supplementary card of the credit card accepted by the issuing bank must be confirmed by the main cardholder through personal signature, customer service telephone recording, electronic signature or a way recognized by both the cardholder and the issuing bank. The issuing bank shall establish a credit card marketing management system, conduct systematic training, registration assessment and standardized management for marketing personnel, and shall not adopt a single assessment method based on the number of cards issued.

Extended data:

Provisions of commercial banks on handling relevant requirements for credit cards:

1. The issuing bank shall conduct a credit investigation on the credit card applicant, fully verify and completely record the applicant's valid identity, financial status, consumption and credit records, and confirm that the applicant has a fixed job, a stable income source or a reliable repayment guarantee.

2. For commercial banks that can only engage in business activities in specific cities or regions according to relevant regulations, their head offices (companies) shall apply to the dispatched offices of the CBRC at the place of registration for the establishment of branch-level franchises such as credit card centers, and the dispatched offices of the CBRC at the place of registration shall report to the CBRC for approval after preliminary examination.

3. In accordance with the relevant provisions, a commercial bank that can only engage in business activities in a specific city or region applies for credit card business, and its head office (company) shall apply to the regulatory agency of the place of registration, and after preliminary examination, the regulatory agency of the place of registration shall report to the China Banking Regulatory Commission for approval.

Baidu Encyclopedia-Measures for the Supervision and Administration of Credit Card Business of Commercial Banks