The application method is generally by filling in a credit card application form, which generally includes the applicant's name, basic information, economic situation or income source, guarantor and its basic information. And submit some copies of certificates and vouchers to the issuing bank.

After filling in the application form truthfully, the customer shall submit the completed application form and relevant credit certificate. A credit card contract is attached to the application form. The applicant authorizes the issuing bank or relevant departments to investigate the relevant information, and submit the information authenticity statement and the privacy protection policy of the issuing bank. , and must have the applicant's autograph.

(2) Use

Credit cards are usually only used by the cardholder himself, and lending them to others is generally a violation of the use contract.

Extended data:

Article 43 of the Measures for the Supervision and Administration of Credit Card Business of Commercial Banks stipulates that customers who apply for the bank's credit card for the first time may not issue credit cards by automatic card issuance in the whole process.

Credit card applicants should strictly review and strengthen risk prevention and control in the following situations:

(1) Leaving relevant suspicious information or criminal records in the identity information system;

(2) There is no credit record in the credit information system;

(3) Having a bad record in the credit information system;

(four) there are many bank loans or credit card credit records in the credit information system;

(5) Business travel cards and business shopping cards handled by the unit;

(6) Risk information obtained from other channels.

Article 44 The issuing bank shall not issue credit cards (except supplementary cards) to customers under the age of 18.

Article 45 There shall be no more than two issuing banks (except supplementary cards) that issue student credit cards to the same applicant. Before issuing student credit cards, the issuing bank must confirm the second repayment source, obtain written guarantee materials that the second repayment source (parents, guardians or other managers) is willing to repay on its behalf, and confirm the authenticity of the identity of the second repayment source.

Before increasing the student credit card limit, the issuing bank must obtain the written guarantee materials from the second repayment source (parents, guardians or other managers, etc.). They agree and are willing to repay on their behalf.

A commercial bank shall formulate a management system for student credit card business according to the principle of prudence, and evaluate, calculate and reasonably determine the first credit line of its student credit card and the highest credit line adjusted according to the card usage according to the actual situation of business development. Student credit cards are not allowed to be used beyond the limit.

Baidu encyclopedia-credit card

Baidu Encyclopedia-Measures for the Supervision and Administration of Credit Card Business of Commercial Banks