Legal analysis: First, "seeing three relatives" is not sloppy. Strict implementation of the "face-to-face signing" system and good access to credit cards are the first pass to prevent credit card risks. First of all, the sub-branch actively organizes employees to take the credit card certificate examination of Yichun Branch every year to improve the professional marketing ability and skills of employees and ensure that the holders of backstage management and promotion outlets match the needs of business development; Secondly, do a good job in customer screening and screening, and promote customer orientation's existing customers who have certain business dealings with banks and have good stability and high loyalty, as well as non-existing customers who have no direct business dealings with banks but are in key industries with relatively stable work and income; Third, adhere to the "two-person marketing", so as to see yourself personally, see the original in person, and sign in person, and require that video materials should be left for each on-site marketing to ensure the authenticity and effectiveness of the supplied materials. Second, the "three-level trial" is not relaxed. Sub-branches implement a three-level examination and approval mechanism for the communication, namely, the preliminary examination by the credit card administrator of the sub-branch, the review by the president of the promotion sub-branch and the final examination by the credit card administrator of the municipal branch, so as to ensure the quality of the communication. On the one hand, credit card administrators and branch managers are required to initially confirm the information of the participants through telephone spot checks and on-site visits. At the same time, the illegible items are marked in block letters one by one, and it is difficult to return the illegible items, so that the probability of rejection due to "difficult items" is reduced to zero; On the other hand, the credit card purchase information will be entered into the customer marketing management system in time, and the original will be sent to the credit card administrator of the city branch for review in the form of electronic scanning, so as to fill in the missing information and realize the "daily settlement" and ensure the timeliness and integrity of the purchase information. Third, the "three words" are unambiguous. The credit card administrator of the branch downloads the credit card daily report on time every day and carefully analyzes the "rejected documents". By sorting out the entry process, promoters are required to give customers "three persuasion" in marketing to reduce the rejection rate of "suspected fraud" customers. First of all, tell customers to keep in mind the information they fill in, especially the fixed telephone number, company address and contact information, so as to facilitate the receipt and activation of cards in the future; Secondly, inform the customer to keep the mobile phone contact information unblocked, pay attention to answering the customer service call of the credit card center of the head office of the Postal Savings Bank, and confirm that the entry is filled in and signed by myself; Finally, urge customers to activate consumption in time within one week after receiving the card and experience the related activities of bank credit card courtesy in time. Through the implementation of "three persuasion", the rejection of credit cards in customer service return visits has been reduced, and the acceptance rate of letters and the effective utilization rate of cards have been improved.

Legal basis: Civil Code of People's Republic of China (PRC).

Article 673 Where the borrower fails to use the loan according to the agreed purpose, the lender may stop issuing the loan, recover the loan in advance or terminate the contract.

Article 674 The borrower shall pay interest at the agreed time limit. If the time limit for paying interest is not stipulated or clearly stipulated, and cannot be determined according to the provisions of Article 510 of this Law, if the loan period is less than one year, it shall be paid together with the loan; If the loan term is more than one year, it shall be paid at the end of each year; if the remaining term is less than one year, it shall be paid together with the loan.

Article 676 If the borrower fails to repay the loan within the agreed time limit, it shall pay the overdue interest in accordance with the agreement or the relevant provisions of the state.