And submit some copies of certificates and vouchers to the issuing bank. After filling in the application form truthfully, the customer shall submit the completed application form and relevant credit certificate.
A credit card contract is attached to the application form. The applicant authorizes the issuing bank or relevant departments to investigate the relevant information, and submit the information authenticity statement and the privacy protection policy of the issuing bank. , and must have the applicant's autograph.
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.
Due to the convenience and rapidity of using credit cards, coupled with the rapid development of science and technology, credit cards are facing increasingly severe security problems due to the mechanism of first consumption and then payment, and major international credit card groups and global card-issuing financial institutions are facing severe challenges. The security problems of credit cards are mainly divided into the following five aspects:
Credit card: criminals or criminal groups use forged or invalid cards (expired/lost/invalid/damaged tapes, etc.). ) pretending to be a real card, directly deceiving merchants or card issuers.
Cardholder: improper card storage/handling (expired/tape-invalid credit cards are not destroyed, or they are not immediately invalid after being lost, etc. ), and personal identity information is inadvertently stolen or defrauded. In order to avoid such problems, citizens should not easily provide personal identification information, and it is best not to entrust others to handle credit cards.
Consumer merchants: the service personnel swindle the cardholder in the process of consumption, or steal his credit card information to other merchants for consumption. This situation can happen whether it is a physical business or a network virtual business.
Issuer: The computer system has been maliciously invaded, stealing the basic/transaction information of customers. There are also unscrupulous employees who steal from the house, or the evil inside the house.
Trading system and mechanism: as long as it is formulated or handled by human beings, human errors and omissions will inevitably occur; No matter how rigorous the trading mechanism is, with the world-class trading system from confirmation to settlement, it is still possible to be invaded, and the so-called "invasion" is actually divided into levels.
References:
Baidu encyclopedia-credit card