The Notice on Printing and Distributing the Measures for the Administration of Credit Card Business has corresponding provisions:
Article 3 The term "credit card" as mentioned in these Measures refers to the credit payment instruments issued by commercial banks in People's Republic of China (PRC) (including foreign-funded banks and Sino-foreign joint venture banks, hereinafter referred to as commercial banks) to individuals and units.
Credit card has the functions of transfer settlement, cash deposit and withdrawal, consumer credit and so on. Credit cards are divided into unit cards and personal cards according to users; According to the credit rating, it is divided into gold card and ordinary card.
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Relevant provisions of the notice on printing and distributing the Measures for the Administration of Credit Card Business:
Article 11? Credit card centers and other branch-level franchisees' applications for starting business shall be accepted and approved by the agencies dispatched by the China Banking Regulatory Commission where they are registered. The establishment and opening of branches of branch-level franchisees such as credit card centers of commercial banks shall be reported to the dispatched office of the CBRC for approval in accordance with the prescribed procedures.
To establish a branch-level franchise institution such as a credit card center, its head office (company) shall apply to the dispatched office of the China Banking Regulatory Commission where it is registered. The dispatched office of China Banking Regulatory Commission, where it is registered, shall report to China Banking Regulatory Commission for approval after preliminary examination.
Article 12 The bank card application form, application form and contract are contractual documents provided by the issuing bank to the bank card holders, which clearly define the rights and responsibilities of both parties. The cardholder's signature indicates acceptance of all agreements. The issuing bank shall formulate the bank card application form and credit card contract according to the principle of equal rights and obligations.
Baidu Encyclopedia-Notice on Printing and Distributing the Measures for the Administration of Credit Card Business