According to Article 47 of the Measures for the Supervision and Administration of Credit Card Business of Commercial Banks, the issuing bank shall provide inquiry channels for the progress and results of credit card application processing. The issuing bank shall issue a credit card in compliance with the requirements of safety management, and the card and password shall be delivered separately and presented to the cardholder for acceptance. When issuing a credit card, the cardholder shall be informed in writing of the date of the credit card bill, the articles of association of the credit card, the instructions for safe use of the card, customer service telephone number, service and charging information inquiry channels, etc. , so that cardholders can use their credit cards safely.
The issuing bank shall establish the 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.
Extended data:
The relevant requirements of commercial banks' credit cards stipulate:
1. Before opening the over-limit card service for the cardholder, the issuing bank must provide information such as the charging form and calculation method of the over-limit fee, and clearly inform the cardholder of the right to cancel the over-limit card service. After the issuing bank collects the overrun fee, it shall clearly list the overrun fee amount of the corresponding billing cycle in the statement.
2. The issuing bank shall not provide credit card services beyond the credit line for credit card transfer (transfer-out) and cash withdrawal. The total amount of credit card overdraft transfer (transfer out) and cash withdrawal shall not exceed the credit limit of credit card cash withdrawal.
Baidu Encyclopedia-Measures for the Supervision and Administration of Credit Card Business of Commercial Banks
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