Answer: 1. To strengthen the risk management ability of bank cards, the issuing bank should carefully examine the credit status of credit card applicants and determine effective guarantees and guarantee methods according to the credit status of the applicants. The issuing bank shall regularly review the credit status of credit card holders and adjust their credit limit according to the changes of credit status.

2. Do a good job of issuing cards. Individuals applying for bank cards (except stored value cards) shall provide valid identity documents stipulated by the public security department to the issuing bank, and open a registered account for them after passing the examination by the issuing bank;

3. Establish a clear relationship between the rights and obligations of both parties. For example, the issuing bank has the right to review the applicant's credit status, to obtain the applicant's personal data, to decide whether to issue cards to the applicant, and to determine the overdraft limit of credit card holders;

4, and formulate relevant punishment measures.