Three-parent principle of credit card
Three-parent principle of credit card: personal visit, personal signature and personal verification. The principle of three personal appearances for credit cards: seeing the applicant in person, seeing the original ID card, and seeing the applicant’s signature. Cardholders can log on to the official website of the China Banking and Insurance Regulatory Commission and enter "three parents" in the search bar to see the specific content of the credit card's "three parents" principle.
In order to prevent credit card fraud, the China Banking and Insurance Regulatory Commission has announced the three-person principle for credit cards. Banks should strictly abide by the three-visit principle for credit card applications. If banks are found to have violated regulations, the China Banking and Insurance Regulatory Commission will strictly investigate and deal with them.
According to the first paragraph of Article 196 of the Criminal Law of the People's Republic of China and the People's Republic of China, anyone who uses a forged credit card, or uses a credit card fraudulently obtained with false identity certificates, is suspected of credit card fraud. crime.
Because criminals will use the cardholder's ID card to apply for a credit card and then use the card to make purchases, causing the cardholder's property and credit to be lost. Therefore, all banks must apply for credit cards for cardholders in accordance with the three-person principle to protect the cardholder's property and credit from loss.
The credit card three-person principle is a derivative of the credit card three-person principle, and the two are essentially the same. Cardholders should protect their ID cards and report the loss promptly if their ID cards are lost, so as not to give criminals an opportunity.
What is the three-visibility principle for credit cards?
When applying for a credit card through formal channels, banks must abide by the three-visibility principle, otherwise they will not approve the card to the applicant. . So, what exactly is this three-kin meeting? Why do we need to meet each other three times? Let me introduce it to you below.
Major banks stipulate that applying for a credit card must be done in person by the applicant with his or her original identity document, and no other individual is allowed to apply on his behalf (except for the principal cardholder to apply for a supplementary card on his behalf), so this is the three-parent principle. There are three main points, including seeing the person in person, seeing the original application materials and verifying their authenticity, and seeing the signature in person.
The details are as follows:
1. See the person in person: When applying for a credit card, you must first identify whether the applicant is the person you are. Bank staff must carefully check whether the photo is the same as the person you are. Please check carefully whether the information on the application form matches the information on your ID card.
2. See the original application materials in person: A pile of copies cannot prove the authenticity and validity of the document. Pass the ID card through a second-generation ID card authenticator to identify the authenticity of the document, and pay attention to the validity period of the document.
3. See your signature in person: After the applicant signs and confirms in the signature column, it means that the applicant agrees and abides by the terms and charge details of the credit card, which is a voluntary act.
The reason why three people are required to meet in person is to prevent others from using someone else’s ID card to apply for a card, and also to avoid risks in the future.
In addition, after applying for a credit card, you must protect the information on the card, the validity period, and the last three digits (CVV2 code) on the back to prevent criminals from obtaining the information and stealing the credit card.
When using a credit card, remember to keep the card close to you and protect your personal information. Currently, many fraud incidents are caused by cardholders actively leaking passwords, dynamic verification codes, CVV2 and other information to third parties such as phishing websites and phone calls.
In addition, it is recommended not to apply for too many credit cards. Having multiple credit cards is not only inconvenient for daily management, but may also cause the credit card to expire due to negligence and other factors, affecting personal credit reporting.
What is the meaning of three personal interviews with a credit card?
Three personal interviews with a credit card means seeing the person in person, seeing the original application materials, and seeing the signature in person.
The requirement of "three personal visits" to apply for a card is mainly to prevent criminals from applying for credit cards under false names, reduce bank credit card business risks, and protect the personal rights and interests of card applicants from infringement.
Article 38 of the "Measures for the Supervision and Administration of Credit Card Business of Commercial Banks" issued by the China Banking Regulatory Commission: "The card-issuing bank shall publicly and clearly inform the applicant of the application materials and basic requirements that need to be submitted. The application materials must be submitted in person by the applicant. Signatures must not be issued without the customer’s knowledge or against the customer’s wishes.”
It is understood that major banks stipulate that applying for a credit card must be done in person by the applicant with his or her original identity document, which is not allowed. Other individuals can apply on behalf of other individuals (except the principal cardholder who applies for supplementary cards), so the three-parent principle has three main points, including seeing the person in person, seeing the original application materials in person and verifying the authenticity, and seeing the signature in person.
The details are as follows:
1. See the person in person: When applying for a credit card, you must first identify whether the applicant is the person you are. Bank staff must carefully check whether the photo is the same as the person you are. Please check carefully whether the information on the application form matches the information on your ID card.
2. See the original application materials in person: A pile of copies cannot prove the authenticity and validity of the document. Pass the ID card through a second-generation ID card authenticator to identify the authenticity of the document, and pay attention to the validity period of the document.
3. See your signature in person: After the applicant signs and confirms in the signature column, it means that the applicant agrees and abides by the terms and charge details of the credit card, which is a voluntary act.
The reason why three people are required to meet in person is to prevent others from fraudulently using someone else’s ID card to apply for a card, and also to avoid risks in the future.
In addition, after applying for a credit card, you must protect the information on the card, the validity period, and the last three digits (CVV2 code) on the back to prevent criminals from obtaining the information and stealing the credit card.
When using a credit card, remember to keep the card close to you and protect your personal information. Currently, many fraud incidents are caused by cardholders actively leaking passwords, dynamic verification codes, CVV2 and other information to third parties such as phishing websites and phone calls.
In addition, it is recommended not to apply for too many credit cards. Having multiple credit cards is not only inconvenient for daily management, but may also cause the credit card to expire due to negligence and other factors, affecting personal credit reporting.
How to apply for a credit card:
Application location: local bank branch; local bank credit card center staff; bank official website application.
Application conditions: Over 18 years old; have stable repayment ability.
Submit proof: ID card; proof of work or income; work phone number, home phone number and personal mobile phone; tax payment certificate or real estate and vehicle in your own name; other bank credit cards, etc.
This is the end of the introduction to credit card supervision and credit card supervision. Have you found the information you need?