Credit card review:
After receiving the application form and related materials submitted by the applicant, the issuing bank shall review the applicant's credit standing. The contents of the audit mainly include whether the contents of the application form are true, evaluating the credit degree of the applicant, and auditing the relevant information of the personal guarantor.
Usually, the bank will review the information and economic situation of the applicant according to the application materials to judge whether to issue a credit card to the applicant. The factors considered include the applicant's past credit record, the applicant's known assets, professional characteristics, etc. The specific factors and process of the issuer's audit are trade secrets, which are generally difficult for the outside world to understand.
Different card-issuing banks have different standards. Therefore, the same materials may have different credit lines and different types of credit cards in different banks, and even some banks will pass the examination and some banks will refuse to issue them.
Credit card identification:
The credit card has at least the following information on its surface:
1. Front: name and logo of the issuing bank, credit card type (organization logo) and holographic anti-counterfeiting logo, card number, English or pinyin name, activation date (generally calculated to month) and validity period (generally calculated to month). The chip is attached to the front of the newly issued card, and the chip account and the card magnetic stripe account are two relatively independent accounts.
2. Back: card magnetic stripe, cardholder's signature column (which must be signed after activation), service hotline, four or all card numbers after the card number, and credit card security code (the last four digits of the signature column on the back of the credit card are used for credit card activation, password management, TV, telephone and online transactions, etc. ).
Extended data:
Security issues:
Due to the convenience and rapidity of using credit cards, coupled with the rapid development of science and technology, the security problems faced by credit cards are becoming more and more serious, and major international credit card groups and global card-issuing financial institutions are facing severe challenges. The security problems of credit cards are mainly divided into the following five aspects:
1. credit card: criminals or criminal groups use forged or invalid cards (expired/lost/invalid/damaged tapes, etc. ) pretending to be a real card, directly deceiving merchants or card issuers.
2. Cardholder: improper storage/handling of cards (expired/invalid credit cards are not destroyed, or they are not immediately invalidated after being lost, etc. ), and personal identity information is inadvertently stolen or defrauded. In order to avoid such problems, citizens should not easily provide personal identification information, and it is best not to entrust others to handle credit cards.
3. Consumer merchants: service personnel have overspent in the process of cardholder consumption, or embezzled their credit card information to other merchants for consumption. This situation can happen whether it is a physical business or a network virtual business.
4. Issuer: The computer system is maliciously invaded, stealing the basic/transaction information of customers. There are also unscrupulous employees who steal from the house, or the evil inside the house.
5. Trading system and mechanism: As long as it is formulated or handled by human beings, human errors and omissions will inevitably occur; No matter how rigorous the trading mechanism is, with the world-class trading system from confirmation to settlement, it is still possible to be invaded, and the so-called "invasion" is actually divided into levels.
Bad debt problem:
1. The staff of Tianjin Shunda Investment Management Co., Ltd. revealed that as long as they provide ID cards, real estate licenses and work certificates, they can handle several large credit cards with a total amount of 500,000 yuan in the form of "recommendation by the president". Banks that can be "fixed" include China Everbright Bank, Minsheng Bank and Industrial Bank. ?
2. According to the statistics of the central bank, by the end of 20 13, the total amount of bad credit cards in China was 251920,000 yuan, an increase of 7 1.86% over the end of last year.
3. Li, director of the People's Livelihood Economic Research Center of the Central University of Finance and Economics, said that in addition to the lax issuance of cards by commercial banks, credit card cashing has also become an important reason for the sharp increase in bad debts.
Experts believe that China's credit system is not perfect, bank credit granting and POS card issuance are not strict, and the protection of citizens' personal information is not enough, which leads to the intensification of credit card cashing crimes.
Baidu encyclopedia-credit card