The Measures for the Supervision and Administration of Credit Card Business of Commercial Banks have corresponding provisions:

Article 49? The credit card is not activated by the cardholder, and no fees may be charged. Under special circumstances, the cardholder authorizes the deduction separately in written form, recording the customer service telephone number, electronic signature, and the way recognized by both the cardholder and the issuing bank.

And the creditor-debtor relationship that has been formed when changing cards. Without the activation and use of credit card holders, gifts or gift certificates may not be issued, and the issuing bank shall establish a credit card credit management system.

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Relevant provisions of the Measures for the Supervision and Administration of Credit Card Business of Commercial Banks:

Article 35 If the cardholder continuously requests to pay the over-limit fee to complete the overdraft transaction exceeding the credit limit, the issuing bank must immediately stop the card service exceeding the credit limit after the second billing cycle.

Recourse factoring means that when the accounts receivable cannot be recovered from the debtor, the commercial bank can reverse the accounts receivable to the creditor and ask the creditor to buy back the accounts receivable or return the financing. Recourse factoring is also called repurchase factoring.

Article 36? Commercial banks should establish an internal audit system for intermediary business, and audit the risk status, financial status, compliance with internal rules and regulations, compliance and legality of intermediary business regularly or irregularly.

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