According to Article 42 of the Measures for the Supervision and Administration of Credit Card Business of Commercial Banks, the issuing bank shall determine the necessary (optional) elements of credit card application materials according to the overall risk management requirements. If the credit card application materials lack (optional) required information or required options, others will act as agents (except for business travel cards, business shopping cards and supplementary cards handled by the main cardholder), and others will sign on their behalf. If the application materials are not signed, the card will not be issued.
If there is suspicious information in the credit card application materials, the audit opinions are missing, the auditors at all levels have not signed (signed, entered the work code) or the system audit records are missing, the credit card may not be issued.
Extended data:
Measures for the supervision and administration of credit card business of commercial banks Article 50 The issuing bank shall establish a credit card credit management system, dynamically manage the credit limit of credit cards according to the credit status, card usage and risk information of the cardholders, and notify the cardholders in a timely manner according to the agreed method, and may require the cardholders to implement the second repayment source or provide guarantee when necessary.
The issuing bank shall jointly manage the credit lines of multiple credit card accounts under the cardholder's name, the total credit line for installment payment, the credit line for supplementary cards and the credit line for cash withdrawal, and set the upper limit of the total credit line. The credit line for cash withdrawal of business procurement card should be set to zero.
Baidu Encyclopedia-Measures for the Supervision and Administration of Credit Card Business of Commercial Banks