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

Article 41 The issuing bank shall conduct a credit investigation on the credit card applicant, fully verify and completely record the applicant's valid identity, consumption and credit records, and confirm that the applicant has a fixed job, a stable income source or a reliable repayment guarantee.

On the premise that it has been agreed by means of credit card collection contract (agreement), written agreement, electronic banking record or customer service telephone recording. , the cardholder shall be clearly informed in an agreed way 3 working days in advance.

Extended data:

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

Article 50? The issuing bank shall jointly manage the credit lines of multiple credit card accounts under the cardholder's name, the total credit line for installment payment, the credit line for supplementary cards and the credit line for cash withdrawal, and set the upper limit of the total credit line.

Commercial banks should reasonably determine the financing period according to the payment period of accounts receivable and other factors. Commercial banks can set the period between the due date of accounts receivable and the due date of financing as a grace period.

Article 51 When providing factoring financing, banks have the right of recourse. Factoring is included in the creditor's credit according to the financing amount. Non-recourse factoring is not included in the credit information of creditors and debtors. According to the risk nature of factoring business, it should be decided to include the credit information of creditors or debtors.

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