"Three witnesses" means that the issuing bank needs to see me in person, the original application materials and my signature when handling credit cards. According to Article 38 of the Measures for the Supervision and Administration of Credit Card Business of Commercial Banks issued by China Banking Regulatory Commission, "the issuing bank shall publicly and clearly inform the applicant of the application materials and basic requirements that need to be submitted. The application materials must be signed by the applicant himself, and the card shall not be issued without the customer's knowledge or against the customer's wishes."

Therefore, the "three witnesses" of credit card means that the issuing bank needs to implement the principle of "three witnesses" to the credit card applicant, that is, personally see, personally see the original application materials and personally see the signature. The implementation of the principle of three relatives is mainly to prevent criminals from applying for credit cards under false names, reduce the risk of bank credit card business, and protect the personal rights and interests of applicants from infringement.