Legal basis: Article 28 of the Measures for the Administration of Bank Card Business, when applying for a bank card (except stored value cards), an individual shall provide the issuing bank with his valid identity certificate specified by the public security department, and open a registered account for him after passing the examination by the issuing bank; To open a basic deposit account, a domestic financial institution shall apply for a corporate card with an account opening permit issued by the People's Bank of China; Bank cards and their accounts are only used by cardholders approved by the issuing bank, and may not be rented or lent.