According to the Measures for the Supervision and Administration of Credit Card Business of Commercial Banks:
Article 56
The issuing bank shall formulate the credit card transaction authorization and risk monitoring management system, and be equipped with necessary equipment, systems and personnel to ensure 24-hour transaction authorization and real-time monitoring. For credit card accounts with suspicious transactions, risk management measures such as contacting the cardholder to confirm, adjusting the credit line, locking the account and stopping payment urgently should be taken in time. ?
The issuing bank shall conduct risk investigation by telephone verification, contacting the acquiring bank, adjusting the bill or visiting the site, handle suspicious transactions in time, and report the case to the public security organ in time when necessary.
Article 57
The issuing bank shall clearly stipulate in the credit card collection contract (agreement) the specific operation process of repaying the credit card loan with the relevant assets of the cardholder, and shall not directly offset the credit card receivables with the assets of the cardholder without the authorization of the cardholder.
Unless otherwise stipulated by national laws and regulations. When the issuing bank receives the repayment from the cardholder, it will repay all the debts in its credit card account in the following order: if it is overdue for 1-90 days (inclusive), it will repay the interest or expenses first and then the principal; If the overdue period exceeds 9 1 day, the principal shall be repaid first, and then the interest or various expenses shall be repaid.
Article 58
When issuing banks provide credit card inquiry and payment services through self-service channels, they must verify passwords or credit card verification codes. If it is really impossible to verify the password or credit card verification code, the issuing bank shall determine the information verification rules of self-service channel credit card service according to the transaction type, risk nature and risk characteristics to ensure the safety of card use.
Extended data:
According to the Measures for the Supervision and Administration of Credit Card Business of Commercial Banks:
Article 94
The issuing bank shall continuously monitor the changes in the quality of credit card risk assets, and the provision of relevant reserves shall be implemented in accordance with the provisions of relevant state departments.
Article 95
The issuing bank should strengthen the management of credit card risk assets identification and write-off, and confirm and write-off in time. The basis, scope and conditions for the write-off of bad debts in credit card business shall be implemented in accordance with the provisions of relevant state departments.
Article 96
The issuing bank shall establish scientific and reasonable risk monitoring indicators and take corresponding risk control measures in time.
Article 97
The issuing bank shall, according to the development of credit card business, use the measurement model to assist the risk management of credit card business, formulate relevant management systems such as model development, testing, verification, re-inspection, adjustment, monitoring, maintenance and auditing, and clarify the scope of use of the measurement model.
Article 98
The issuing bank shall strictly implement the regulatory requirements on capital adequacy ratio, include the unused credit line of credit card into the off-balance-sheet weighted risk assets of "other commitments" in the commitment project, and apply the credit conversion coefficient of 50% and the corresponding risk weight determined according to the credit card transaction subject.
Article 99
Commercial banks should carry out centralized risk management of single-customer credit for commercial cards, regularly count the total credit amount and advance amount of commercial cards, continuously monitor all credit lines of commercial card contractors in our bank and their usage, regularly check the authenticity and applicability of relevant transactions of commercial cards, and prevent the occurrence of liquid loans.
Baidu Baidu-Measures for the Supervision and Administration of Credit Card Business of Commercial Banks