The Notice on Printing and Distributing the Measures for the Administration of Credit Card Business has corresponding provisions:

Article 33 Any unit that opens a basic account in a financial institution in People's Republic of China (PRC) may apply for a unit card. You can apply for multiple business cards, and the cardholder qualification shall be designated and cancelled in writing by the legal representative of the applicant or his entrusted agent.

Every citizen with full capacity for civil conduct can apply for a personal card. Personal card holders can apply for supplementary cards for their spouses and 18-year-old relatives, and the number of supplementary cards shall not exceed two at most. The holder of the main card has the right to request the cancellation of its supplementary card.

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Relevant provisions of the notice on printing and distributing the Measures for the Administration of Credit Card Business:

Article 19 The card-issuing bank must immediately stop using the card that exceeds the credit limit after the end of the second billing cycle, and can reopen the card-using service that exceeds the credit limit according to the cardholder's re-application until the outstanding amount of the credit card falls below the original credit limit of the credit card.

The issuing bank shall promptly remind the cardholder of the overdraft amount due and the repayment date. Unless the cardholder provides false information or changes the contact information without notifying the issuing bank.

Article 20 Under special circumstances, if it is confirmed that the amount owed by the credit card exceeds the repayment ability of the cardholder and the cardholder still has the willingness to repay, the issuing bank may negotiate with the cardholder on an equal footing and reach a personalized installment repayment agreement.

Baidu Encyclopedia-Notice on Printing and Distributing the Measures for the Administration of Credit Card Business