Provide a copy of the front and back of the card, and the bank will review the applicant's information and economic situation 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.

Improper storage/handling of intumescent materials (expired/invalid credit cards are not destroyed, or they are not immediately invalid 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.

The service personnel swindle the cardholder's consumption process, or steal his credit card information to other businesses for consumption. This situation can happen whether it is a physical business or a network virtual business.

Baidu encyclopedia-credit card