Credit cards are now widely used because of their use. Because the credit card is for personal use only, you basically need to go to the bank in person with your ID card to apply for a credit card. However, Mr. Lin, a citizen, was issued multiple credit cards by ICBC for no reason.

Mr. Lin, a consumer in Jieyang City, applied for a credit card at the Jieyang Qiaonan Branch of the Industrial and Commercial Bank of China. When he went to the branch to collect it, he found that the limit was low and asked to cancel the card. At the same time, he submitted a copy of his ID card to The bank keeps the bottom line. Later, when Mr. Lin called the 95588 hotline of ICBC to check the progress of cancellation, he found that the branch had opened three credit cards in his name at the same time, so he complained to the Provincial Consumer Council. After the Provincial Consumer Council intervened, ICBC repeatedly delayed the matter and called the supervisory department many times without receiving a positive reply. Customer service staff responded multiple times: "The registration has been completed and will be submitted to the relevant departments for processing." When asked to provide the contact number of the "relevant department", he was told that the number was not disclosed to the public. Therefore, the complaint has not been effectively resolved.

In this regard, the Consumer Council stated that according to the "Measures for the Supervision and Administration of Credit Card Business of Commercial Banks" Article 38: "Card-issuing banks should publicly and clearly inform applicants of the application materials and basic requirements that need to be submitted. , the application materials must be personally signed by the applicant, and cards are not allowed to be issued without the user's knowledge or against the user's wishes. The application materials for a credit card supplementary card accepted by the card-issuing bank must be personally signed by the main card holder, and the user service call recording is recorded. , electronic signature or confirmation by a method recognized by both the holder and the card-issuing bank.”

The above-mentioned ICBC did not help the user to open a credit card with the user’s knowledge, which is completely incorrect. , infringing on consumers’ right to know and their right to make independent choices. Not only does it cause trouble to users, it also wastes credit cards to a certain extent. It is suggested that relevant departments should strictly monitor such behavior of banks and require severe punishment.

Xiaocai Tips: You must apply for a credit card in person. You need to bring your ID card, asset certificate, etc., and you must read the documents that require signatures carefully before signing. Personal information needs to be kept properly and not disclosed at will to avoid being used by illegal parties.