Because black households don't have birth medical certificates, they can't apply for credit cards without birth medical certificates. Apart from not being able to apply for a credit card, it also means not being able to go to registered permanent residence. Their schooling, medical insurance, marriage, childbirth, bank account opening, driving test, accommodation, going out to work, buying a house and career development will all be affected, thus making these children discriminated against in society.
Because children have no birth certificate and no hukou, it brings a series of problems to social management. Moreover, according to the relevant provisions of the Guidelines on Risk Control and Safety Management of Bank Card Business, the applicant must apply for a credit card by himself with the original ID card, and shall not be handled by other individuals (except for the supplementary card handled by the main cardholder). Therefore, black households are not allowed to apply for credit cards.
Extended data:
Black households are not allowed to apply for credit cards.
Because black households have no hukou and no corresponding ID information. When handling credit cards, ID card handling is the first condition. If a black household does not have an ID card, it will not be approved when handling a credit card.
In particular, according to the relevant provisions of the Guidelines on Risk Control and Safety Management of Bank Card Business, when a cardholder's bank account establishes business association with a payment institution for the first time, it should pass the identity authentication of the payment institution, and at the same time, verify and identify the customer's identity through electronic channels through the customer identification of the issuing bank, and the two-factor (multi-) verification method should be adopted.
In other words, for credit cards, identity information verification is the first, and other verification methods are not excluded. It is impossible to apply for a credit card without identity documents.
Baidu Encyclopedia-Birth Medical Certificate
People's Network-There should be no "black households"
Baidu Encyclopedia-Guidelines for Risk Control and Safety Management of Bank Card Business