Article 1 is to regulate the credit card business of commercial banks, protect the legitimate rights and interests of customers and banks, and promote the healthy and orderly development of the credit card business. The Law of the People's Republic of China on Commercial Banks and the Regulations of the People's Republic of China on the Administration of Foreign-funded Banks formulate these Measures. Article 2 Commercial banks operating credit card business shall strictly abide by national laws, regulations, rules and relevant policies, and follow the principles of equality, voluntariness, good faith and credit.

Article 3 When operating credit card business, commercial banks shall protect the legitimate rights and interests of customers and the security of relevant information in accordance with the law. Without the authorization of the customer, the relevant information may not be used for other purposes other than the company's credit card business.

Article 4 When operating credit card business, commercial banks shall establish and improve credit card business risk management and internal control systems, strictly implement authorization management, and effectively identify, evaluate, monitor and control business risks.

Article 5 When operating credit card business, commercial banks shall fully disclose relevant information to cardholders, disclose business risks, and establish and improve corresponding complaint handling mechanisms.

Article 6 The China Banking Regulatory Commission and its dispatched agencies shall supervise and manage the credit card business of commercial banks in accordance with the law.

Article 7: Credit cards as mentioned in these Measures refer to various media that record cardholder account information, have bank credit limit and overdraft functions, and provide cardholders with relevant banking services.

Article 8 The credit card business referred to in these Measures refers to the banking services provided by commercial banks using bank cards with credit lines and overdraft functions, which mainly include card issuance business and collection business.

Article 9 The card-issuing business referred to in these Measures refers to the relevant banking services in which the card-issuing bank signs credit card issuance contracts with qualified customers based on customer evaluation results and provides relevant banking services. Card issuance business includes marketing and promotion, credit approval, card production and issuance, transaction authorization, transaction processing, transaction monitoring, fund settlement, account processing, dispute handling, value-added services, debt collection, etc.

Article 10 The term "card issuing bank" as mentioned in these Measures refers to a commercial bank that has been approved by the China Banking Regulatory Commission to start the credit card issuance business and assumes the responsibility for risk management of the card issuance business.

Article 11 The term “card-issuing service institution” as mentioned in these Measures refers to a legal person or other organization that signs a contract with a card-issuing bank to assist it in providing credit card business services.