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

Fortieth card-issuing banks should establish and improve the credit review system of credit card applicants, and clarify the management structure and internal control mechanism. The issuing bank shall conduct a credit investigation on the credit card applicant.

Fully verify and completely record the applicant's valid identity, financial status, consumption and credit records, and confirm that the applicant has a fixed job, a stable income source or a reliable repayment guarantee.

Extended data:

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

Article 61 If the cardholder continuously requests to pay the over-limit fee to complete the overdraft transaction exceeding the credit limit, the issuing bank must immediately stop the card service exceeding the credit limit after the second billing cycle.

When the issuing bank conducts credit card marketing activities for students in the campus of any educational institution, it must inform the relevant educational institutions of the specific location, date, time and content of the marketing activities in advance, and obtain the consent of the educational institutions.

Article 62 Card-issuing banks shall provide complaint handling services, establish a unified and efficient complaint handling process according to the characteristics and complexity of credit card products (services), clarify the administrative departments for complaint handling, and disclose the complaint handling channels.

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