According to Article 49 of the Measures for the Supervision and Administration of Credit Card Business of Commercial Banks, the issuing bank shall establish operating procedures for credit card activation and check the identity information of credit card holders 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. The new card, lost card, damaged card and expired card must be activated before the cardholder can use it.

The credit card is not activated by the cardholder, and no fees may be charged. Under special circumstances, except for the cardholder's written charge, customer service telephone recording, electronic signature and the way recognized by both the cardholder and the issuing bank, the creditor-debtor relationship formed when changing the card. Without the activation and use of the cardholder, the credit card shall not issue any gifts or gift certificates.

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. The new card, lost card, damaged card and expired card must be activated before the cardholder can use it.

The credit card is not activated by the cardholder, and no fees may be charged. Under special circumstances, except for the cardholder's written charge, customer service telephone recording, electronic signature and the way recognized by both the cardholder and the issuing bank, the creditor-debtor relationship formed when changing the card. Without the activation and use of the cardholder, the credit card shall not issue any gifts or gift certificates.

Extended data:

Measures for the supervision and administration of credit card business of commercial banks Article 53 Without the cardholder's application and the opening of the card service exceeding the credit limit, the credit card shall not deduct the excess fees in any form. Cardholders can use oral (customer service telephone recording), electronic and written methods to open or cancel the card service that exceeds the credit limit.

The issuing bank must provide information such as the charging form and calculation method of the over-limit fee before opening the card service for the cardholder, and clearly inform the cardholder of the right to cancel the over-limit card service. After the issuing bank collects the overrun fee, it shall clearly list the overrun fee amount of the corresponding billing cycle in the statement.

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