Legal subjectivity:

When applying for a credit card, it is not illegal if the agent obtains authorization from others in accordance with the law and the materials used to apply for the credit card are authentic; if the agent does not obtain authorization from others, The entrusted authorization is to use false identity certificates to defraud credit cards, and if the amount of fraud is relatively large, it is illegal, and this behavior may constitute the crime of credit card fraud. Legal objectivity:

Article 57, paragraph 2, of the "Measures for the Supervision and Administration of Credit Card Business of Commercial Banks" When the card-issuing bank receives repayment from the cardholder, it shall pay various arrears to its credit card account in the following order Offset and repayment: If it is overdue for 1-90 days (inclusive), it will be offset in the order of interest receivable or various expenses first, and then the principal; if it is overdue for more than 91 days, it will be offset first, then the interest receivable or each other. The expenses will be reimbursed in the order in which they are charged.