According to Article 62 of the Measures for the Supervision and Administration of Credit Card Business of Commercial Banks, card-issuing banks should provide complaint handling services, establish a unified and efficient complaint handling process according to the characteristics and complexity of credit card products (services), clarify the complaint handling management departments, and open the complaint handling channels.
Article 63 The issuing bank shall provide the card replacement service for credit cards when they expire, and replace the cards for cardholders who meet the conditions for card replacement when they expire. Unless the cardholder proposes not to renew the card, change the card or cancel the account when it expires. The issuing bank shall not provide card replacement service for the credit card account that the cardholder has not activated within the validity period of the credit card.
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Measures for the supervision and administration of credit card business of commercial banks Article 67 The issuing bank shall promptly remind the cardholder of the overdraft amount due and the repayment date. Unless the cardholder provides false information or changes the contact information without notifying the issuing bank.
Article 68 The issuing bank shall collect money from the debtor himself and his guarantor, and shall not collect money from a third party unrelated to the debt, and shall not use improper means such as violence, coercion, intimidation or abuse to collect money. The collection process shall be recorded, and the recorded materials shall be kept for at least 2 years for future reference.
Baidu Encyclopedia-Measures for the Supervision and Administration of Credit Card Business of Commercial Banks