The Measures for the Administration of Bank Cards have corresponding provisions on this:
Article 41 The issuing bank shall carefully examine the credit status of the credit card applicant and determine the effective guarantee and guarantee method according to the credit status of the applicant. The issuing bank shall regularly review the credit status of credit card holders.
The credit line should be adjusted according to the change of credit status, and the issuing bank should establish an authorization examination and approval system to clarify the authorization authority and authorization limit of different levels of internal personnel.
Extended data:
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Relevant laws and regulations of the Measures for the Administration of Bank Cards:
Thirty-fifth malicious overdraft credit card amount is more than 6.5438+0 million yuan but less than 6.5438+0 million yuan, which shall be deemed as "a large amount" as stipulated in the Criminal Law; If the amount is more than 654.38+10,000 yuan and less than 1 10,000 yuan, it shall be deemed as "huge amount" as stipulated in the Criminal Law.
The amount of malicious overdraft refers to the amount that the cardholder refuses to return or has not returned under the conditions stipulated in the first paragraph. Does not include compound interest, late fees, handling fees and other fees charged by the issuing bank.
Article 36? Malicious overdraft should be investigated for criminal responsibility. However, if all the overdraft interest has been repaid after the public security organ files the case but before the announcement of the judgment of the people's court, the punishment may be given a lighter punishment, and if the circumstances are minor, the punishment may be exempted.
Baidu Encyclopedia-Bank Card Management Measures