According to Article 35 of the Measures for the Supervision and Administration of Credit Card Business of Commercial Banks, commercial banks shall establish a management system for credit card business application materials, and the head office (the head office and foreign-funded corporate banks) shall uniformly number the credit card application materials, and implement a registration system for information entry, use and destruction of the application materials.

The issuing bank shall publicly and clearly inform the applicant of the application materials and basic requirements to be submitted. The application materials must be signed by the applicant himself, and the card shall not be issued without the customer's knowledge or against the customer's wishes. The application materials for the supplementary card of the credit card accepted by the issuing bank must be confirmed by the main cardholder through personal signature, customer service telephone recording, electronic signature or a way recognized by both the cardholder and the issuing bank.

Extended data:

Relevant requirements for credit card processing:

1. 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. The issuing bank shall determine the necessary (optional) elements of the credit card application materials according to the overall risk management requirements. If the credit card application materials lack (optional) required information or required options, and others act as agents (except for business travel cards, business shopping cards handled by the company and supplementary cards handled by the main cardholder), and others sign on their behalf, and the application materials are not signed, credit cards may not be issued.

3. If there is suspicious information in the credit card application materials, the audit opinions are missing, the auditors at all levels have not signed (signed, entered the work code) or the system audit records are missing, the credit card may not be issued.

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