Yes, activating the business is just the daily work of the bank, and it can be handled on Saturday and Sunday. The process of applying for a credit card and a debit card is different. When applying for a credit card, you need to bring your valid certificate, residence certificate, unit income certificate or personal assets certificate and go through the relevant formalities at the bank counter. You need to fill out an application form, in which the information requested is true.

After filling out the application form, you should go to the head office of the bank for the record. It will take about 20 working days to issue cards to customers after the head office of the bank examines the application materials. Handling debit cards is relatively simple. You just need to bring your own valid documents, mainly your ID card, fill out the application form at the bank where you open the account, and then you can issue the card to the applicant.

Extended data

The Measures for the Administration of Bank Cards stipulates that:

Forty-fifth card-issuing banks should follow the following credit card business risk control indicators:

1. The single overdraft amount of the same cardholder shall not exceed 20,000 yuan (including equivalent foreign currency) for personal cards and 50,000 yuan (including equivalent foreign currency) for business cards.

2. The monthly overdraft balance of an individual card in the same account shall not exceed 50,000 yuan (including equivalent foreign currency), and the unit card shall not exceed 3% of the comprehensive credit line granted by the issuing bank to the unit. The monthly overdraft balance of the unit without comprehensive credit line for reference shall not exceed 654.38 million yuan (including equivalent foreign currency).

3. The overdraft limit of foreign currency cards shall not exceed 80% of the cardholder's deposits (including the pledged amount of savings deposits).

4. The average monthly overdraft balance above 180 days (including 180 days, the same below) from the date of implementation of these Measures shall not exceed 15% of the total monthly overdraft balance.

Article 46 The maximum overdraft period of a quasi-credit card is 60 days. The minimum repayment amount of a credit card in the first month shall not be less than 10% of the overdraft balance in that month.

Article 47 A card-issuing bank shall recover overdraft and fraudulent funds through the following channels:

1. Deduct the cardholder's deposit and dispose of the collateral according to law;

2. Recourse the overdraft from the guarantor;

2. Recover through judicial procedures.

Baidu Encyclopedia-Bank Card Management Measures