2. The object of applying for a credit card can be divided into units and individuals. Applicants should be organs, enterprises and institutions, foreign-invested enterprises and individual industrial and commercial households with independent legal personality in China.
3. When applying for a credit card, each unit can get a main card and multiple (5- 10) supplementary cards as needed. Individuals applying for credit cards must have a fixed occupation and a stable source of income, and provide guarantees to banks. The forms of guarantee include personal guarantee, unit guarantee and personal fund guarantee.
Extended data:
According to the Measures for the Supervision and Administration of Credit Card Business of Commercial Banks:
Article 43
For customers who apply for the bank's credit card for the first time, automatic card issuance is not allowed in the whole process. Credit card applicants should strictly review and strengthen risk prevention and control in the following situations:
(1) Leaving relevant suspicious information or criminal records in the identity information system;
(2) There is no credit record in the credit information system; ?
(3) Having a bad record in the credit information system; ?
(four) there are many bank loans or credit card credit records in the credit information system; ?
(5) Business travel cards and business shopping cards handled by the unit; ?
(6) Risk information obtained from other channels.
Article 44
The issuing bank shall not issue credit cards (except supplementary cards) to customers under the age of 18.
Article 45
No more than two card-issuing banks (except supplementary cards) may issue student credit cards to the same eligible applicant. Before issuing student credit cards, the issuing bank must confirm the second repayment source, obtain written guarantee materials that the second repayment source (parents, guardians or other managers) is willing to repay on its behalf, and confirm the authenticity of the second repayment source identity.
Before increasing the credit card limit of students, the issuing bank must obtain the written guarantee materials from the second repayment source (parents, guardians or other managers) that it agrees and is willing to repay on its behalf.
A commercial bank shall formulate a management system for student credit card business according to the principle of prudence, and evaluate, calculate and reasonably determine the first credit line of its student credit card and the highest credit line adjusted according to the card usage according to the actual situation of business development. Student credit cards are not allowed to be used beyond the limit.
Article 46
The issuing bank shall publicly disclose the agreement signed with educational institutions for the purpose of marketing credit cards to students on the bank website. When the issuing bank conducts credit card marketing activities for students in the campus of any educational institution, it must inform the relevant educational institutions of the specific location, date, time and content of the marketing activities in advance, and obtain the consent of the educational institutions.
Article 47
The issuing bank shall provide inquiry channels for the progress and results of credit card application processing.
Article 48
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 safety instructions for using the card, customer service telephone number, service and charging information inquiry channels, etc. , so that cardholders can use their credit cards safely.
Baidu encyclopedia-credit card