The audit procedure is the same. Applicants must meet the requirements before issuing credit cards.

1. according to article 41 of the measures for the supervision and administration of credit card business of commercial banks, 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. according to article 42 of the measures for the supervision and administration of credit card business of commercial banks, the card-issuing bank shall determine the required (optional) elements of the credit card application materials according to the overall risk management requirements, and may not issue credit cards if the required information or required options are omitted, others act as agents, others sign on their behalf, and the application materials are not signed.

3. According to Article 5 of the Guiding Opinions on External Marketing of Commercial Banks, banks must follow the following principles when promoting bank products and services by means of external marketing:

(1) Products and services promoted by external marketing must be within the business scope of banks. The business scope of external marketing is limited to the introduction of comprehensive bank information, the promotion of bank products, the search and development of customer resources, and the distribution of blank application documents for financial products and services. Every processing link of bank products and services must be completed in the bank's fixed business premises approved by the regulatory authorities.

(2) A bank engaging in external marketing business shall report to the local CBRC dispatched office, and the contents of the report shall at least include the types of products to be promoted, operating procedures, internal control system, training plan, employment methods of external marketers, management structure, salary calculation method, supervision and inspection mechanism, qualification classification system of external marketers, etc.

(3) The geographical scope of setting up booths or roadshows and renting relatively fixed places to carry out external marketing activities is limited to the administrative area of the city where the registered address of the bank is located.

Extended information:

According to Article 43 of the Measures for the Supervision and Administration of Credit Card Business of Commercial Banks, customers who apply for the bank's credit card for the first time are not allowed to issue credit cards by automatic card issuance in the whole process. Credit card applicants should be strictly examined and strengthened in risk prevention and control under the following circumstances:

(1) leaving relevant suspicious information or criminal records in the identity information system;

(2) There is no credit record in the credit information system;

(3) having bad records in the credit information system;

(4) There are many credit records of bank loans or credit cards in the credit information system;

(5) The business travel card and business purchase card are handled by the company;

(6) Risk information obtained from other channels.

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

Baidu Encyclopedia-Guidance on External Marketing Business of Commercial Banks