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

Article 49 The issuing bank shall establish the operating rules for credit card activation, and check the identity information of the cardholder before activation. A credit card whose applicant has not signed a contract (agreement) and whose identity has not been confirmed by the activation procedure shall not be activated.

On the premise that the credit card collection contract (agreement), written agreement, electronic banking records or customer service telephone recording have been agreed, the issuing bank may reduce the credit line of the credit card that has not been traded for more than 6 months, but it must clearly inform the cardholder in the agreed way three working days in advance.

Extended data:

?

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

Article 35 The verification methods such as China UnionPay Bank Card Risk Information Sharing System shall verify the personal identity of the legal representative or responsible person and authorized manager of the merchant, and understand the business background, business place, business scope, financial status and credit status of the merchant.

It is necessary to further verify with the public security department, the administrative department for industry and commerce, China Merchants Bank or other units. Special attention should be paid to the examination of merchants with low discount rate and zero discount rate, such as wholesale, consulting, intermediary and public welfare.

Article 36? Establish and improve the on-site inspection and off-site monitoring system of special merchants. The acquiring institution shall establish a merchant transaction database and monitoring system, set up monitoring and analysis indicators for suspicious transactions, and establish a risk control model according to the operating conditions and laws of special merchants.

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