Legal analysis: When the card-issuing bank sues, the plaintiff sometimes lists the head office, sometimes its branch or the credit card center of the bank, which is inconsistent with the name of the company stamped on the "Credit Card Application Form" and "Receipt Agreement" , even without a seal, some cardholders claimed that the plaintiff was not qualified. In practice, the court believes that the subject of litigation can be a commercial bank and its branches.

Legal basis: Article 48 of the "Civil Procedure Law of the People's Republic of China" Citizens, legal persons and other organizations can be parties to civil proceedings. Legal persons shall conduct litigation through their legal representatives. Other organizations are litigated by their principals.