According to Article 43 of the Measures for the Supervision and Administration of Credit Card Business of Commercial Banks, customers who apply for the bank's credit card for the first time are not allowed to issue credit cards by automatic card issuance in the whole process. Credit card applicants should strictly review and strengthen risk prevention and control in the following situations:
(1) Leaving relevant suspicious information or criminal records in the identity information system;
(2) There is no credit record in the credit information system;
(3) Having a bad record in the credit information system;
(four) there are many bank loans or credit card credit records in the credit information system;
(5) Business travel cards and business shopping cards handled by the unit;
(6) Risk information obtained from other channels.
Extended data:
Measures for the supervision and administration of credit card business of commercial banks Article 57 The issuing bank shall clearly stipulate in the credit card collection contract (agreement) the specific operating procedures for repaying credit card loans with the relevant assets of the cardholder, and shall not directly offset the credit card receivables with the assets of the cardholder without the authorization of the cardholder. Unless otherwise stipulated by national laws and regulations.
When the issuing bank receives the repayment from the cardholder, it will repay all the debts in its credit card account in the following order: if it is overdue for 1-90 days (inclusive), it will repay the interest or expenses first and then the principal; If the overdue period exceeds 9 1 day, the principal shall be repaid first, and then the interest or various expenses shall be repaid.
Baidu Encyclopedia-Measures for the Supervision and Administration of Credit Card Business of Commercial Banks