According to the Notice on Issuing the Measures for the Administration of Credit Card Business:

Article 33 Any unit that opens a basic account in a financial institution in People's Republic of China (PRC) may apply for a unit card. You can apply for multiple business cards, and the cardholder qualification shall be designated and cancelled in writing by the legal representative of the applicant or his entrusted agent.

Every citizen with full capacity for civil conduct can apply for a personal card. Personal card holders can apply for supplementary cards for their spouses and 18-year-old relatives, and the number of supplementary cards shall not exceed two at most. The holder of the main card has the right to request the cancellation of its supplementary card.

Extended data:

According to the Notice on Issuing the Measures for the Administration of Credit Card Business:

Thirty-fourth units or individuals to apply for a credit card, should fill in the application form in accordance with the provisions, together with the relevant materials submitted to the issuing bank. For those who meet the requirements, the issuing bank will open a credit card account for the applicant and issue credit cards.

Article 35 The funds in the corporate card account shall be transferred from its basic account, and shall not be deposited in cash, and the funds and sales income from other deposit accounts shall not be deposited in the corporate card account.

The funds in the personal card account are limited to cash deposits held by individuals or transfer deposits with their wages and other legitimate income belonging to individuals. It is strictly forbidden to transfer unit funds into personal card accounts.

Article 36 Credit cards are only used by legitimate cardholders, and cardholders are not allowed to rent or lend their accounts.

Article 37 After the cardholder has paid off the overdraft principal and interest, he may cancel the account under any of the following circumstances:

(a) 45 days after the expiration of the credit card, the cardholder has not replaced the new card;

(two) 45 days after the loss of the credit card, there is no supplementary card and no new card has been replaced;

(3) The credit card was withdrawn by the issuing bank for 45 days due to its bad reputation and was included in the stop payment list;

(four) the cardholder died for some reason, and the issuing bank has recovered his credit card for 45 days;

(five) the cardholder requests the cancellation of the account or the guarantor to cancel the guarantee, and has returned all the credit cards for 45 days;

(6) The credit card account has not been traded for more than two years (inclusive);

(seven) the cardholder violates other regulations, and the issuing bank thinks that his qualification should be cancelled.

Article 38 The issuing bank shall withdraw the credit card when canceling the account. If the valid card cannot be recovered, the payment should be stopped.

When the account is closed, the balance of the company card account is transferred to basic account, and cash cannot be withdrawn.

Article 39 If a credit card is lost or stolen, the cardholder shall immediately apply to the nearest card-issuing bank or correspondent bank with his/her ID card or other valid documents, and provide relevant information in accordance with regulations to handle the loss reporting procedures.

Fortieth, if a cardholder finds his credit card after applying for loss reporting, he can apply for cancellation of loss reporting and stop payment.

Fifty-third card-issuing banks in any of the following circumstances, the people's Bank of China shall be ordered to correct, and impose a fine of 50 thousand yuan to 300 thousand yuan.

(1) Opening credit card business without approval;

(2) Issuing IC cards or foreign currency credit cards without approval.

Article 54 If a representative office of a non-financial institution, a non-bank financial institution or an overseas financial institution engages in credit card business in violation of regulations, it shall be banned by the People's Bank of China according to law, and a fine ranging from 654.38 million yuan to 500,000 yuan shall be imposed.

Article 55 In any of the following circumstances, the People's Bank of China shall order it to make corrections, confiscate its illegal income and impose a fine of 50,000 yuan to 654.38 million yuan; If the circumstances are serious or overdue, it may be ordered to suspend business for rectification.

(a) do not implement the technical standards stipulated in these measures;

(2) lowering the handling fee standard without authorization;

(3) Failing to implement the overdraft interest rate and interest-bearing measures stipulated in these Measures.

Fifty-sixth card-issuing banks in violation of the provisions of these measures, did not submit credit card articles of association, filing materials and business statements to the People's Bank of China, the People's Bank of China shall order it to make corrections; If no correction is made within the time limit, a fine of 6,543,800 yuan or more and 6,543,800 yuan or less shall be imposed.

Fifty-seventh card-issuing banks in any of the following circumstances, in accordance with the "People's Republic of China (PRC) City Commercial Bank Law" and the relevant provisions of cash management to be punished accordingly:

(1) Failing to implement the prescribed deposit interest rate;

(2) Failing to pay the deposit reserve to the People's Bank of China as required;

(3) helping cardholders to withdraw cash in violation of regulations.

Article 58 If the issuing bank fails to send the payment stop bill to the special unit within the specified time, causing financial losses, the issuing bank shall bear the economic responsibility.

Article 59 If the issuing bank or correspondent bank violates the provisions of these Measures, it will help the unit cardholder to transfer other deposit accounts or sales income to his credit card account, or help the individual cardholder to transfer other funds to his credit card account, and it will be fined from 50,000 yuan to 6,543,800 yuan.

Article 60 Where a cardholder overdraws with his unit card, his unit shall be responsible for repaying the overdraft amount and paying overdraft interest. If the cardholder uses the supplementary card of the personal card to overdraw, the main cardholder shall be responsible for repaying the overdraft amount and paying overdraft interest; If the cardholder of the main card loses the repayment ability, the cardholder of its subsidiary card shall be responsible for repaying the overdraft amount and paying the overdraft interest.

Baidu Encyclopedia-Notice on Printing and Distributing the Measures for the Administration of Credit Card Business