In most cases, citizens with full civil capacity (citizens aged 65-438+08 in Chinese mainland) who have a certain direct source of income can apply for a credit card from the issuing bank. Sometimes, legal persons can also act as applicants.
The application method is generally by filling in a credit card application form, which generally includes the applicant's name, basic information, economic situation or income source, guarantor and its basic information. And submit some copies of certificates and vouchers to the issuing bank.
After filling in the application form truthfully, the customer shall submit the completed application form and relevant credit certificate. A credit card contract is attached to the application form.
The applicant authorizes the issuing bank or relevant departments to investigate the relevant information, and submit the information authenticity statement and the privacy protection policy of the issuing bank. , and must have the applicant's autograph.
Extended data:
According to the Notice on Issuing the Measures for the Administration of Credit Card Business:
Article 60 Where a cardholder overdraws with his unit card, his unit shall be responsible for repaying the overdraft amount and paying overdraft interest. If the cardholder uses the supplementary card of the personal card to overdraw, the main cardholder shall be responsible for repaying the overdraft amount and paying overdraft interest; If the cardholder of the main card loses the repayment ability, the cardholder of its subsidiary card shall be responsible for repaying the overdraft amount and paying the overdraft interest.
Article 61 Disputes between cardholders and special units shall be settled by both parties themselves. Cardholders shall not refuse to repay the debts arising from the use of credit cards on the grounds of disputes.
Article 62 The cardholder must keep and use the credit card properly, otherwise the economic losses caused by it shall be borne by the cardholder himself.
Article 63 The relevant responsible person shall bear the responsibility for the losses caused by the fraudulent use of the cardholder after reporting the loss.
Sixty-fourth unit cardholders who violate the provisions of these measures to settle goods transactions and labor supply funds of more than 654.38 million yuan shall be fined more than 50,000 yuan but less than 654.38 million yuan.
Article 65 If a corporate cardholder violates the provisions of these Measures by transferring funds from an account outside basic account or transferring sales revenue to his credit card account, he shall be ordered to transfer back to basic account and be fined not less than 50,000 yuan but not more than 6,543,800 yuan.
Personal card holders who, in violation of the provisions of these measures, transfer unit funds into their credit card accounts shall be ordered to return them and be fined more than 5000 yuan 1000 yuan.
Sixty-sixth cardholders who withdraw cash in violation of the provisions of these measures shall be fined 30% to 50% of the amount of cash withdrawn.
Article 67 If a cardholder rents or lends a credit card and its account in violation of these Measures, it shall be ordered to make corrections, and a fine of more than 5% 1000 yuan shall be imposed according to the account, and the illegal income shall be confiscated.
Article 68 If a cardholder maliciously overdraws, he shall be investigated for criminal responsibility according to law.
Article 69 When accepting credit cards, special units shall follow the prescribed operating procedures, otherwise they shall bear the financial losses caused thereby.
Article 70 Any staff member of a special unit who participates in bank fraud and constitutes a crime shall be investigated for criminal responsibility according to law.
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