apply for a replacement.

The Measures for the Supervision and Administration of Credit Card Business of Commercial Banks have corresponding provisions on it:

Article 63 The card-issuing bank shall provide card replacement services for cardholders who meet the conditions for card replacement at maturity. Unless the cardholder proposes not to renew the card, change the card or cancel the account upon expiration. The issuing bank shall not provide card replacement service for the credit card account that the cardholder has not activated within the validity period of the credit card.

Extended information

Generally, the application method is to fill in a credit card application form, which generally includes the applicant's name, basic information, economic status or income source, guarantor and its basic information, etc. And submit certain copies of certificates and certificates to the issuing bank. After the customer fills in the application form truthfully, he should submit the completed application form and relevant credit certificate.

the application forms are accompanied by a credit card use contract, and the applicant authorizes the issuing bank or relevant departments to investigate its relevant information, and submit a statement on the authenticity of the information, the issuing bank's privacy protection policy, etc., with the applicant's autograph.

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

Article 68 The card-issuing bank shall collect money from the debtor himself and his guarantor, and shall not collect money from a third party unrelated to the debt, and shall not use improper collection behaviors such as violence, coercion, intimidation or abuse. The collection process shall be recorded, and the recorded materials shall be kept for at least 2 years for future reference.

when a bank conducts business, it should, in principle, require the seller to open a factoring account and other related accounts for the collection of accounts receivable in the factoring contract. A commercial bank shall designate a special person to monitor the entry and exit of funds in the factoring account to ensure that the funds are first used to return the bank financing.

article 69 commercial banks should fully consider the dilution factors of accounts receivable, such as financing interest, factoring fees, cash discounts, historical collection records and industry characteristics, and reasonably determine the financing ratio of factoring business.

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

Baidu Encyclopedia-Credit Card