because it is not necessary.
According to Article 7 of the Articles of Association of Credit Card (Personal Card) of Shanghai Pudong Development Bank:
Any natural person who has reached the age of 18, has full capacity for civil conduct, has a legal and stable source of income and solvency, and has a good credit standing can apply to the Bank for a personal credit card master card with his valid identity certificate and other documents required by the Bank. The cardholder of the main card may apply for supplementary cards for other qualified natural persons with full or limited capacity for civil conduct. ?
when applying for a credit card, the applicant should fill in the application form correctly, completely and truthfully and submit the information required by the bank, and agree to the bank's inquiry with relevant parties according to the agreement, and keep and use the relevant information. By signing the application form, the applicant agrees to abide by the provisions in the application form and abide by the Articles of Association of Credit Card (Personal Card) of Shanghai Pudong Development Bank and the collection contract.
Extended information:
According to Article 1 of the Articles of Association of Credit Card (Personal Card) of Shanghai Pudong Development Bank,
Cardholders are not entitled to the interest-free repayment period, but should pay the interest calculated and paid at the specified interest rate from the bookkeeping date of the Bank. ?
when the cardholder's repayment fails to reach the minimum repayment amount required by the bank, in addition to paying interest according to the above interest-bearing method, 5% of overdue repayment penalty shall be paid monthly for the unpaid part of the minimum repayment amount. The maximum amount of liquidated damages for overdue repayment shall not exceed the overdraft principal. ?
the cardholder should use the card within the credit limit approved by the bank. if the cardholder is authorized to open the card service exceeding the credit limit, once the card is used beyond the credit limit approved by the bank, the excess funds must be paid off in full. ?
Articles of Association of Shanghai Pudong Development Bank-Shanghai Pudong Development Bank Credit Card (Personal Card)