The process of handling a credit card is as follows: first, the unit or individual applies to the bank, then fills in the application form, submits the relevant information to the issuing bank, and then the issuing bank reviews it. If it finally passes the examination, it will open a credit card account and issue it to the credit card.

legal ground

Article 38 of the Measures for the Supervision and Administration of Credit Card Business of Commercial Banks

The issuing bank shall publicly and clearly inform the applicant of the application materials and basic requirements to be submitted. The application materials must be signed by the applicant himself, and the card shall not be issued without the customer's knowledge or against the customer's wishes. The application materials for the supplementary card of the credit card accepted by the issuing bank must be confirmed by the main cardholder through personal signature, customer service telephone recording, electronic signature or a way recognized by both the cardholder and the issuing bank.

Article 41

The issuing bank shall conduct a credit investigation on the credit card applicant, fully verify and completely record the applicant's valid identity, financial status, consumption and credit records, and confirm that the applicant has a fixed job, a stable source of income or a reliable repayment guarantee.