Banks are likely to give risk warnings, mostly because customers have not used their cards well recently, resulting in bad card use behavior, which leads to increased account risk. Customers must pay attention to using the card well afterwards to avoid bad card use behavior, otherwise banks are likely to take risk control measures and credit cards are likely to be restricted.

1. Credit cards shall not be issued to students under the age of 18.

Credit cards (except supplementary cards) shall not be issued to students under the age of 18. When issuing credit cards to students who have reached the age of 18 and have no fixed job or stable income, the second repayment source must be implemented, and the second repayment source should have the corresponding repayment ability. Before issuing a card, a banking financial institution must confirm that the second repayment source has agreed in writing to bear the corresponding repayment responsibility, otherwise it may not issue a card. Banking financial institutions should conduct due diligence on the credit level and repayment ability of credit card applicants, who should have a fixed job, a stable source of income or provide reliable repayment guarantee. If the applicant does not meet the above conditions, but it is really necessary to issue a card, the banking financial institution shall clarify the scope of application of the card issuance and establish the corresponding card issuance management mechanism. The applicant must implement the second repayment source, and the second repayment source should have the corresponding repayment ability. Before issuing a card, a banking financial institution must confirm that the second repayment source has agreed in writing to bear the corresponding repayment responsibility, otherwise it may not issue a card. Banking financial institutions should strictly control the issuance of credit cards to applicants who have obtained credit cards from other banks after investigation, but the personal repayment ability of customers is far from the accumulated credit lines of various banks.

2. No fees shall be deducted before activating the credit card.

When opening a card, the marketer must fully inform the applicant of the charging policy and penalty interest policy of the credit card. The notice specifically stated that before the cardholder activates the credit card, the banking financial institution shall not deduct any fees, unless the cardholder authorizes the banking financial institution to deduct the fees in writing, telephone recording at the customer service center or electronic signature.

Third, strictly investigate the cashing behavior of special merchants.

Banking financial institutions shall strictly manage their own special merchants, make necessary agreements with special merchants on credit card fraud, cash-out risk prevention and safety management responsibilities, and implement continuous monitoring and regular on-site inspection of special merchants. After investigation, it is found that a special merchant is suspected of cashing out, and the banking financial institution responsible for the management subject shall suspend or stop providing clearing and settlement services for the merchant. In addition, the circular also requires banking financial institutions to prudently outsource the collection business.