Legal analysis: According to relevant laws and regulations, as long as the certificate issued by the unit to the work and income of the party applying for a credit card is correct at the time and does not deliberately falsify, the applicant in the future will The company does not assume any responsibility for the card usage and repayment status of employees who apply for credit cards. It is the responsibility of the cardholder himself.
Legal basis: "Law of the People's Republic of China on Commercial Banks"
Article 11 The establishment of a commercial bank shall be subject to review and approval by the banking regulatory agency of the State Council.
Without the approval of the Banking Regulatory Authority of the State Council, no unit or individual may engage in commercial banking business such as accepting deposits from the public, and no unit may use the word "bank" in its name.
Article 24 If a commercial bank has any of the following changes, it must be approved by the banking regulatory authority of the State Council:
(1) Change of name;
< p>(2) Change the registered capital;(3) Change the location of the head office or branches;
(4) Adjust the business scope;
(5) Change of shareholders holding more than 5% of the total capital or total shares;
(6) Modification of the Articles of Association;
(7) Other changes specified by the Banking Regulatory Authority of the State Council .
When directors and senior managers are replaced, they must be reported to the banking regulatory agency of the State Council for review of their qualifications.
Article 73 If a commercial bank causes property damage to depositors or other customers under any of the following circumstances, it shall bear the interest on delayed performance and other civil liabilities:
(1) Unreasonably delaying or refusing to pay the principal and interest of deposits;
(2) Violating the regulations on bill acceptance and other settlement business, failing to cash in, not allowing receipts and payments to be recorded, suppressing orders, suppressing votes, or violating Provisions for refund of checks;
(3) Illegal inquiry, freezing, and deduction of personal savings deposits or corporate deposits;
(4) Violation of the provisions of this Law causing consequences to depositors or other customers Other acts of harm.
If any of the circumstances specified in the preceding paragraph occurs, the banking regulatory agency of the State Council shall order corrections. If there are any illegal gains, the illegal gains shall be confiscated. If the illegal gains exceed 50,000 yuan, a fine of not less than one time and five times the illegal gains shall be imposed. If there is no illegal income or the illegal income is less than 50,000 yuan, a fine of not less than 50,000 yuan but not more than 500,000 yuan shall be imposed.