According to Article 41 of the Measures for the Supervision and Administration of Credit Card Business of Commercial Banks, the issuing bank shall conduct a credit investigation on the credit card applicant, fully verify and completely record the applicant's valid identity, financial status, consumption and credit records, and confirm that the applicant has a fixed job, a stable income source or a reliable repayment guarantee.
Article 42 The issuing bank shall determine the required (optional) elements of the credit card application materials according to the requirements of comprehensive risk management, and shall not issue credit cards if the required information or options are omitted, others act as agents (except business travel cards and business shopping cards handled by the unit and supplementary cards handled by the main cardholder), others sign on their behalf, and the application materials are unsigned.
If there is suspicious information in the credit card application materials, the audit opinions are missing, the auditors at all levels have not signed (signed, entered the work code) or the system audit records are missing, the credit card may not be issued.
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Measures for the supervision and administration of credit card business of commercial banks Article 49 The issuing bank shall establish operating rules for credit card activation and check the identity information of credit card holders before activation. A credit card whose applicant has not signed a contract (agreement) and whose identity has not been confirmed by the activation procedure shall not be activated. The new card, lost card, damaged card and expired card must be activated before the cardholder can use it.
The credit card is not activated by the cardholder, and no fees may be charged. Under special circumstances, except for the cardholder's written charge, customer service telephone recording, electronic signature and the way recognized by both the cardholder and the issuing bank, the creditor-debtor relationship formed when changing the card. Without the activation and use of the cardholder, the credit card shall not issue any gifts or gift certificates.
Baidu Encyclopedia-Measures for the Supervision and Administration of Credit Card Business of Commercial Banks