1. Lending a bank card to others, it is illegal for someone to use this bank card to commit a crime. It may constitute crimes such as credit card fraud and money laundering. Individuals applying for a bank card shall provide the issuing bank with their valid identity documents as stipulated by the public security department, and after passing the examination by the issuing bank, open a registered account for them. The bank card and its account are limited to the cardholders approved by the issuing bank, and may not be rented or lent.

2. Legal basis: Article 7 of the Measures for the Supervision and Administration of Credit Card Business of Commercial Banks

The term "credit card" as mentioned in these Measures refers to various media that record the relevant information of the cardholder's account, have the function of bank credit line and overdraft, and provide relevant banking services for the cardholder.

Article 17

A commercial bank applying for credit card business shall meet the following basic conditions:

(1) It has good corporate governance, its main prudential supervision indicators meet the relevant regulations of the China Banking Regulatory Commission, it has an organizational structure and rules and regulations suitable for business development, and its internal control, risk management and accountability mechanisms are sound and effective;

(2) It has a good reputation, a sound and effective internal control mechanism and case prevention and control system, and has no major violations of laws and regulations or major malignant cases in the last three years;

(3) Having directors, senior managers and qualified employees who meet the post qualifications. Senior management personnel should have at least one person with professional knowledge and management experience in credit card business, technical personnel and management personnel necessary to carry out credit card business, and fully implement hierarchical authorization management;

(4) Having business premises, relevant facilities and necessary information technology resources suitable for business operation;

(5) It has established business systems in China that meet the requirements of laws, regulations and business management, and has the technical ability to ensure the information security and operation quality of relevant business systems;

(6) To start foreign currency credit card business, it shall have the qualification of foreign exchange settlement and sale approved by the State Council foreign exchange administration department and the qualification of foreign exchange business (or foreign exchange business scope) approved by China Banking Regulatory Commission;

(7) meeting other prudential conditions stipulated by the China Banking Regulatory Commission.

second, what is the process of applying for a credit card

1. The parties apply to the bank;

2. Review; After receiving the application form and relevant materials submitted by the applicant, the bank shall review the applicant's credit standing;

3. issuing cards; After the applicant successfully applies for a credit card, the issuing bank will open a separate credit card account for the cardholder at the issuing bank;

4. open the card; Check the relevant personal information provided at the time of application by telephone or internet, and complete the card opening procedure after it meets the requirements.