According to Article 55 of the Measures for the Supervision and Administration of Credit Card Business of Commercial Banks, the issuing bank shall not provide credit card services beyond the credit line for credit card transfer (transfer) and cash withdrawal. The total amount of credit card overdraft transfer (transfer out) and cash withdrawal shall not exceed the credit limit of credit card cash withdrawal.

The issuing bank shall formulate the credit card transaction authorization and risk monitoring management system, and be equipped with necessary equipment, systems and personnel to ensure 24-hour transaction authorization and real-time monitoring. For credit card accounts with suspicious transactions, risk management measures such as contacting the cardholder to confirm, adjusting the credit line, locking the account and stopping payment urgently should be taken in time.

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Provisions on relevant requirements for commercial banks to use credit cards:

1. The issuing bank shall collect money from the debtor himself and his guarantor, and shall not collect money from a third party unrelated to the debt, and shall not use violence, coercion, intimidation, abuse and other improper collection behaviors.

2. The transaction details required by the acquiring bank from the third-party payment platform must include the identification number of the transaction object on the third-party payment platform, so as to assist the cardholder to safeguard his/her legitimate rights and interests.

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