According to Article 3 1 of the Credit Card Charter:
Banks have the right to examine the applicant's credit standing, to inquire about and save the identity, property, credit standing and other relevant information from the relevant units and individuals according to the applicant's authorization, to decide whether to require the applicant to provide guarantee according to the applicant's credit standing, and to decide whether to issue cards to the applicant, the types of cards issued and the credit line, and to inform the applicant of the examination and approval results.
For an application that is not approved, the bank has the right to keep the relevant application materials and will not return them. Our bank promises to keep relevant information properly and take necessary confidentiality measures.
Extended data:
According to Article 33 of the Credit Card Charter:
The bank has the right to adjust the cardholder's total credit or the cardholder's credit limit or card level according to the cardholder's credit change, card usage or other factors.
After the card is cancelled or the account is settled, the bank reserves the right of recourse for the valid transaction money and the corresponding interest and expenses arising from non-bank reasons after the card is cancelled.
If the cardholder fails to repay the loan as agreed in the contract, or there are illegal acts, breach of contract, or malicious acts such as fraud, or the credit status deteriorates, and there is capital risk in other accounts, the bank has the right to choose to take measures.
China Construction Bank-Credit Card Articles of Association