According to the Measures for the Supervision and Administration of Credit Card Business of Commercial Banks:
Article 63
The issuing bank shall provide the card replacement service when the credit card expires, and replace the card for the cardholders who meet the conditions for card replacement when it expires. Unless the cardholder proposes not to renew the card, change the card or cancel the account when it expires. The issuing bank shall not provide card replacement service for the credit card account that the cardholder has not activated within the validity period of the credit card.
Article 64
The issuing bank shall provide credit card cancellation service, and cancel the account for the cardholder in time after confirming that there is no outstanding amount in the credit card account. When the credit card is cancelled, the balance of the business procurement card account should be transferred back to its corresponding unit settlement account. ?
On the premise that the notification method is stipulated in the credit card collection contract (agreement) or written agreement, the issuing bank shall notify the cardholder of the upcoming changes in the credit card articles of association, products and services in clear, concise and easy-to-understand language more than 45 days in advance.
Extended data:
According to the Measures for the Supervision and Administration of Credit Card Business of Commercial Banks:
Article 59
The issuing bank shall provide 24-hour loss reporting service, promptly accept the cardholder's application for loss reporting through business outlets, customer service telephone or electronic banking, and take corresponding risk control measures.
Article 60
The issuing bank shall provide information inquiry service, and publicize credit card products and services, instructions for use, articles of association, contracts (agreements), charging items and standards, risk warnings and other information to cardholders through bank websites, card manuals, electronic banking and other channels.
Article 61
The issuing bank shall provide reconciliation service. The statement should at least include the transaction date, transaction amount, transaction currency, name or code of the transaction merchant, repayment amount in the current period, minimum repayment amount in the current period, due repayment date, matters needing attention, service telephone number of the issuing bank and other elements. The specific form of reconciliation service shall be agreed by the issuing bank and the cardholder.
When the issuing bank provides the cardholder with service vouchers such as statements, it shall partially block the credit card number and shall not display the complete card number information. Except for the business vouchers printed by the bank counter for business.
Article 62
The issuing bank shall provide complaint handling services, establish a unified and efficient complaint handling process according to the characteristics and complexity of credit card products (services), clarify the complaint handling management department, and open the complaint handling channels.
Baidu Encyclopedia-Measures for the Supervision and Administration of Credit Card Business of Commercial Banks