According to the Notice on Issuing the Measures for the Administration of Credit Card Business:

Article 33 Any unit that opens a basic account in a financial institution in People's Republic of China (PRC) may apply for a unit card. You can apply for multiple business cards, and the cardholder qualification shall be designated and cancelled in writing by the legal representative of the applicant or his entrusted agent.

Every citizen with full capacity for civil conduct can apply for a personal card. Personal card holders can apply for supplementary cards for their spouses and 18-year-old relatives, and the number of supplementary cards shall not exceed two at most. The holder of the main card has the right to request the cancellation of its supplementary card.

Thirty-fourth units or individuals to apply for a credit card, should fill in the application form in accordance with the provisions, together with the relevant materials submitted to the issuing bank. For those who meet the requirements, the issuing bank will open a credit card account for the applicant and issue credit cards.

Article 35 The funds in the corporate card account shall be transferred from its basic account, and shall not be deposited in cash, and the funds and sales income from other deposit accounts shall not be deposited in the corporate card account.

The funds in the personal card account are limited to cash deposits held by individuals or transfer deposits with their wages and other legitimate income belonging to individuals. It is strictly forbidden to transfer unit funds into personal card accounts.

Article 36 Credit cards are only used by legitimate cardholders, and cardholders are not allowed to rent or lend their accounts.

Extended data:

According to the Measures for the Supervision and Administration of Credit Card Business of Commercial Banks:

Article 92

Commercial banks should implement classified management of credit card risk assets, and the classification criteria are as follows:

(1) Normal category: the cardholder can fully repay the payables before the due repayment date (inclusive) according to the repayment rules agreed in advance. ?

(2) Category of concern: the cardholder fails to fully repay the payables on the due repayment date according to the repayment rules agreed in advance, and the overdue days are 1-90 days (inclusive). ?

(3) Sub-category: the cardholder fails to fully repay the payables on the due repayment date according to the repayment rules agreed in advance, and the overdue days are 9 1- 120 days (inclusive). ?

(4) Suspicious category: the cardholder fails to fully repay the payables on the due repayment date according to the repayment rules agreed in advance, and the overdue days are 12 1- 180 days (inclusive). ?

(V) Loss category: the cardholder fails to fully repay the payables on the due repayment date according to the repayment rules agreed in advance, and the overdue days exceed 180 days.

On the premise that the business system can support it, the classification operation is legal and compliant, and the classification method and data calculation method have been recognized by the CBRC and its relevant agencies, commercial banks are encouraged to adopt more prudent credit card asset classification standards.

Continue to pay attention to and regularly compare important risk management indicators related to reserve provision and risk asset measurement, and take corresponding risk control measures.

Article 93

Commercial banks should establish and improve the operational risk prevention and control system and emergency plan for credit card business to effectively prevent operational risks. The following risky assets should be directly classified into corresponding categories:?

(1) Once the risky assets caused by the fraudulent use of credit cards by cardholders are confirmed, they are directly classified as suspicious or loss. ?

(2) Risk assets caused by internal crimes or internal and external collusion crimes shall be directly classified as suspicious or loss. ?

(3) Risk assets caused by system failures and operational errors should be directly classified as suspicious or loss. ?

(4) Risk assets that have not been repaid after signing the personalized installment repayment agreement are directly classified as secondary or suspicious.

Baidu Encyclopedia-Notice on Printing and Distributing the Measures for the Administration of Credit Card Business