2011165438+1On October 27th, the CBRC officially issued the Measures for the Supervision and Administration of Credit Card Business of Commercial Banks (hereinafter referred to as the Measures), which clearly regulated various problems in the rapid development of credit card business: in the future, banks may not charge annual fees if credit cards are not activated.

The Measures of the China Banking Regulatory Commission clearly stipulates that "gifts or gift certificates shall not be issued without the activation of credit card holders", and commercial banks are prohibited from giving gifts when handling credit cards.

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Article 54 of the Measures for the Supervision and Administration of Credit Card Business of Commercial Banks:

After the cardholder applies for opening the card service for exceeding the credit limit, the issuing bank can only provide the card service for exceeding the credit limit once in a billing cycle, and can only charge the over-limit fee once in a billing cycle.

If the cardholder continuously requests to pay the over-limit fee in two consecutive billing cycles to complete the overdraft transaction exceeding the credit limit, the issuing bank must immediately stop the over-limit card service after the end of the second billing cycle and re-open the over-limit card service according to the cardholder's re-application.

Article 55 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.

Article 56 The issuing bank shall formulate the credit card transaction authorization and risk monitoring management system, and equip it 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.

CBRC: In the future, credit cards will not be activated and no annual fee will be charged.

Baidu Encyclopedia-Measures for the Supervision and Administration of Credit Card Business of Commercial Banks