Inquiry method of credit card contract articles of association of China Bank:

Please log on to the official website of Bank of China ()-Bank Card-Service Guide-Card Usage Guide-Credit Card Collection Contract or the Articles of Association of Bank of China Limited.

Or you can check the credit card collection contract and articles of association through the official account of China Bank Credit Card WeChat. The operation path is as follows: Click Account Service → Card Activation → Credit Card Collection Contract and Articles of Association in the lower left corner of the menu bar, and click the attachment to view it.

The above contents are for your reference. Please refer to the actual business regulations.

Guangfa credit card collection contract

The content is as follows;

Article 1 Party B of this contract includes the main card applicant and the supplementary card applicant (if any). The main card applicant shall ensure that the supplementary card applicant knows, understands and abides by this contract, and shall be responsible for all card use behaviors of the supplementary card applicant, including but not limited to paying off its accounts payable.

Article 2 Party B guarantees that all the application materials provided to Party A are true, accurate, complete, legal and effective, and authorizes and cooperates with Party A to know and inquire about its property, qualifications and other information from any interested party, and keep relevant materials.

Party B agrees and authorizes Party A to know and inquire about its property, credit status, personal information, credit information, address and location information from legally established credit reporting agencies, telecom operators and other legal institutions during the application stage of Party B's credit card, the business duration and the objection or consultation period, and use them for credit card approval, post-loan management and objection verification. , and keep relevant information. For inquiries beyond the above authorization, Party A shall bear relevant legal responsibilities. Party B agrees and authorizes Party A to submit his personal credit information, including but not limited to personal basic information (such as identity information, spouse information, residence information, occupation information, etc.). ) and credit transaction information (such as credit card information, repayment information, overdue status (if any), account status, etc. ) to a legally established credit reporting agency. If the information listed in Party B's application form (including but not limited to name, nationality, residence, work unit, ID card or ID number and validity period) changes, Party B shall notify Party A to update relevant information within 7 days from the date of information change; If Party A sends the card to the address reserved by Party B, it will be deemed that the card issuance is completed. The responsibilities and losses caused by Party B's failure to change the information in time shall be borne by Party B, and Party A has the right to stop handling new business for Party B. Party B can change the authorization and use scope of the address and location information of telecom operators by calling Party A's customer service phone.

Article 3 Party A has the right to collect, process, transmit, apply and save Party B's personal data. No matter whether Party B's credit card is approved or terminated, Party A will not return Party B's personal data, but promises to keep it confidential. In order to provide Party B with credit cards and value-added services (including but not limited to recommended products), Party B authorizes Party A to disclose its personal data, transaction information and credit status to Party A, its service agencies, agents, outsourcing agencies, co-branded card partners and relevant credit institutions. If Party B has a risk case, Party A has the right to inform and share Party B's fraud information with regulatory agencies and card organizations. Party A promises to strictly require all third parties to keep Party B's personal data confidential. Within the scope prescribed by law, Party A has the right to use the above information for Party A's case investigation and debt collection by itself or by entrusting a third party.

Article 4 Party A has the right to decide whether to approve Party B's application according to Party B's credit status, and has the right to verify its credit limit, which is shared by the main cardholder and the supplementary cardholder. After confirming the credit line of Party B, Party A has the right to adjust the credit line of Party B due to the risk control factors identified by Party A or other legitimate reasons. If Party A requires Party B to deposit a certain amount of deposit, Party B shall open a deposit account with Party A, and the deposit period shall not be less than the validity period of the credit card. Within 45 days after the credit card expires, the deposit shall not be withdrawn without Party A's consent. When Party B fails to repay the credit card debt after repeated reminders from Party A, Party A has the right to transfer Party B's deposit as a deposit to the credit card account to repay the debt until all the debts are paid off and the card is cancelled.

Did you leave the credit card contract in the bank?

Yes According to the information display, the collection contract is actually the line content displayed when filling in the credit card information. This is actually a contract signed between the customer and the bank and needs to be kept by the bank. A credit card is a credit certificate issued by a commercial bank or a credit card company to eligible consumers.

How to inquire about the credit card contract and articles of association of BOC?

Dear customers, please log on to the official website of Bank of China ()-Bank Card-Service Guide-Card Usage Guide-Credit Card Collection Contract or the Articles of Association of Bank of China Limited.

The above contents are for your reference. Please refer to the actual business regulations.

Ping An Bank Credit Card Collection Contract

After receiving the credit card, Party B shall immediately sign the same signature on the signature strip on the back of the card as on the application form and valid certificate, and use the same signature when using the card, otherwise the losses arising therefrom shall be borne by Party B. The credit card is only for Party B's use, and it is illegal for Party B to rent, lend or resell the credit card or its account. Party B shall not use the credit card to maliciously make or collect cash or points. Party B shall bear all losses caused by any of the above illegal acts or violations of Ping An Bank's credit card regulations and this contract, including but not limited to the losses suffered by Party A or a third party. Party B shall guarantee to use the credit card through various media (including but not limited to the Internet) in a safe environment, otherwise Party B shall be responsible for the risks and losses caused by using its main card and supplementary card through the Internet or other media in an unsafe environment. If Party B uses a credit card online or through various non-face-to-face credit card trading channels, one or all of the information records generated from various transactions such as Party B's card use information or electronic data such as card password and telephone banking password, and related authentication information shall be valid vouchers for the transaction. Party B acknowledges that Party A can confirm that the credit card transaction is completed by Party B through password, telephone, fax confirmation, mail, receipt signature, delivery voucher or other information that can verify Party B's identity.

Legal basis:

Article 469 of the Civil Code of People's Republic of China (PRC), the parties may conclude a contract in written form, oral form or other forms. Written form refers to contracts, letters, telegrams, telexes, faxes and other forms that can tangibly express the contents contained. A data message that can tangibly express its content through electronic data interchange, e-mail, etc. , and can be retrieved at any time, are considered in writing.

Important clauses in credit card collection contract

1. Cardholder: Unless otherwise specified, it refers to the natural person who issues the credit card with the consent of Party A, including the cardholder of the main card and the cardholders of the subsidiary cards under the main card (depending on the context).

2. Credit card account: refers to the account under the credit card opened by Party B in Party A, which is a dual-currency account (RMB and foreign currency) or a single-currency account (RMB or foreign currency). Party A's credit cards held by Party B are classified into corresponding credit card accounts according to Party A's definition, and the credit cards under the same account share the credit line approved by Party A. ..

3. Credit card transactions: refers to daily consumption transactions (not allowed for consumption) conducted by using credit cards or using credit cards and/or transaction passwords, including but not limited to payment, cash advance and other transaction types recognized by Party A. ..

4. Cash advance: refers to the credit card transaction in which Party B and its supplementary cardholders use credit cards to withdraw cash at bank counters or ATM machines or other transaction methods approved by Party A within the cash advance limit approved by Party A..

5. Credit limit: refers to the maximum limit approved by Party A according to Party B's credit status, and Party B can recycle the card within the validity period. It is the common limit of all cards (including main card and supplementary card) under Party B's name, and it is also the common limit of RMB account and foreign currency account. Party A has the right to adjust Party B's credit limit at any time according to the change of Party B's credit status, and notify Party B by telephone, writing, SMS or other means. In addition, if Party B needs a higher credit line for reasonable consumption within a certain period of time, it can apply for a temporary increase of the credit line, but it must be approved by Party A. The actual available credit line of Party B at each time point is calculated according to the method determined by Party A. ..

1. According to Article 7 of the Measures for the Supervision and Administration of Credit Card Business of Commercial Banks, credit cards refer to various media that record the relevant information of cardholders' accounts, have the functions of bank credit line and overdraft, and provide relevant banking services for cardholders. Credit card consumption is a non-cash transaction payment method, and it is not necessary to pay cash when spending, and it is repaid on the billing date. Credit cards are divided into debit cards and quasi-credit cards. Credit card refers to a credit card in which the cardholder has a certain credit limit and can spend first and then repay. Quasi-credit card refers to a quasi-credit card in which the cardholder deposits a certain amount of reserve fund according to the regulations, and when the balance of the reserve fund account is insufficient to pay, it can be overdrawn within the prescribed credit limit. Credit cards generally refer to credit cards.

Second, the earliest credit card appeared at the end of 19. From 65438 to 1980s, the so-called credit card was developed in British clothing industry, followed by tourism and business departments. However, at that time, the card could only be used for short-term commercial credit, and the money had to be paid back as needed. There was no long-term default and no credit line.

This is the promulgation of the credit card collection treaty and the end of the right to entrust a third party to collect. I wonder if you found the information you need from it?