No.

The application method is generally by filling in a credit card application form. The content of the application form generally includes the name of the applicant, basic information, economic status or source of income, guarantor and his/her basic information, etc.

And submit certain copies of documents and certificates to the card issuing bank. After the customer fills in the application form truthfully according to the content, the customer must also submit the relevant credit certificate while submitting the completed application form.

The application form is accompanied by a credit card use contract. The applicant authorizes the card issuer or relevant departments to investigate its relevant information, and submits a statement of the authenticity of the information, the card issuer's privacy protection policy, etc., and must have an application. A person's autograph.

Extended information:

According to the notice on the issuance of the "Credit Card Business Management Measures":

Article 9 Corporate cards must be convex on the left side of the lower left corner of the card surface. Print the word "DWK" and embossed the cardholder's name (pinyin) to the right of the word "DWK".

Article 10: Magnetic stripe cards and IC cards issued by banks must comply with the relevant standards promulgated by the State Bureau of Technical Supervision and the People's Bank of China, but they must participate in international credit card organizations and issue credit cards with the marks of international organizations. except.

Article 11 When receiving a credit card, an organization or individual must deposit a reserve fund with the card-issuing bank in accordance with regulations.

Article 12 The card-issuing bank may require the applicant to provide guarantee based on the applicant’s creditworthiness. The guarantee may be in the form of guarantee, mortgage or pledge.

Article 13 The interest on credit card reserve deposits shall be calculated in accordance with the current deposit interest rates and interest calculation methods prescribed by the People's Bank of China.

If the time deposit is pledged, the time deposit shall be calculated according to the time deposit interest rate and interest calculation method prescribed by the People's Bank of China.

Article 14: The credit card reserve funds and deposits pledged by time deposits absorbed by the card-issuing bank shall pay deposit reserves to the local branch of the People's Bank of China in a prescribed proportion.

Article 15: Card-issuing banks should establish an authorization and approval system.

When cardholders use their credit cards to handle transfer settlement or withdraw cash, if the amount exceeds the prescribed limit, they must obtain authorization from the card-issuing bank.

Article 16: Corporate cardholders are not allowed to use their credit cards to withdraw cash at bank outlets and ATMs in other places and within the city where they receive the card.

Article 17: Cardholders are allowed to make overdrafts for consumption purposes within the limit and period specified in these Measures. The overdraft limit is 10,000 yuan for gold cards and 5,000 yuan for ordinary cards.

Article 18: The maximum overdraft period of a credit card is 60 days.

Article 19 Credit card overdraft interest will be calculated at a daily interest rate of 5/10,000 within 15 days from the date of signature or bank accounting date, and a daily interest rate of 10/10,000 for more than 15 days, and 10/10,000 for more than 30 days. Or if the overdraft amount exceeds the prescribed limit, the daily interest rate will be calculated at 15%. Overdraft interest is not calculated in stages, but is calculated based on the highest interest rate bracket for the final term or the maximum overdraft amount.

Article 20: The overdraft business of each card-issuing bank must be included in its credit scale for management. The overdraft amount is transferred to short-term loan accounting.

Article 21: Malicious overdraft refers to the overdraft behavior of the cardholder for the purpose of illegal possession, exceeding the prescribed limit or prescribed period, and the collection by the card-issuing bank is invalid.

Article 22 The special unit shall not refuse to accept a valid credit card legally held by the cardholder and issued by the contracted bank for any reason, and shall not charge additional fees to the cardholder for using the credit card.

Article 23: Specially contracted entities are not allowed to pay cardholders in cash by pressing cards, signing orders, or returning goods.

Article 24 All commercial banks shall charge credit card transaction fees from special units according to the following standards:

(1) For RMB credit cards, it shall not be less than 2% of the transaction amount;

(2) For credit cards issued by overseas institutions and used within China, the amount must not be less than 4% of the transaction amount.

When a domestic bank signs a credit card agency acquisition agreement with an overseas institution, the profit distribution ratio shall be based on the domestic bank and the overseas institution accounting for 37.5% and 62.5% of the handling fees paid by the special unit respectively.

Article 25 The business rules for foreign currency credit cards will be formulated separately.

Baidu Encyclopedia-Credit Card