no.

generally, the application method is to fill in a credit card application form, and the contents of the application form generally include the name, basic information, economic status or income source, guarantor and its basic information of the applicant.

and submit certain copies of certificates and certificates to the issuing bank. After the customer fills in the application form truthfully, he should submit the completed application form and relevant credit certificate.

the application forms are accompanied by a credit card use contract, and the applicant authorizes the issuing bank or relevant departments to investigate its relevant information, and submit a statement on the authenticity of the information, the issuing bank's privacy protection policy, etc., with the applicant's autograph.

Extended information:

According to the notice on printing and distributing the Measures for the Administration of Credit Card Business:

Article 9 The word "DWK" must be embossed on the left at the lower left of the card face, and the cardholder's name (pinyin) must be embossed on the right of the word "DWK".

article 11 the magnetic stripe cards and IC cards issued by banks shall comply with the relevant standards promulgated by the state bureau of technical supervision and the people's bank of China, except for participating in international credit card organizations and issuing credit cards marked by international organizations.

article 11 when a unit or individual receives a credit card, it shall deposit a reserve fund with the issuing bank as required.

article 12 the issuing bank may require the applicant to provide a guarantee according to his credit standing. The way of guarantee can be guarantee, mortgage or pledge.

Article 13 The interest on the credit card imprest deposit shall be calculated according to the deposit interest rate and interest-bearing method stipulated by the People's Bank of China.

if a time deposit is pledged, the time deposit shall be calculated according to the time deposit interest rate and interest calculation method stipulated by the People's Bank of China.

article 14 the credit card reserve absorbed by the issuing bank and the deposits pledged by time deposits shall be paid into the local branches of the people's bank of China in a prescribed proportion.

Article 15 A card-issuing bank shall establish an authorization examination and approval system.

the cardholder must obtain the authorization of the issuing bank when handling the transfer settlement and withdrawing cash by credit card.

article 16 corporate cardholders are not allowed to withdraw cash from bank outlets and ATMs in different places and within the city where they receive their cards with their credit cards.

article 17 allows cardholders to overdraw for consumer purposes within the limits and time limits stipulated in these measures. the overdraft limit is RMB 11,111 for gold cards and RMB 5,111 for ordinary cards.

Article 18 The maximum overdraft period of a credit card is 61 days.

article 19 the overdraft interest of a credit card shall be calculated at the rate of five ten thousandths of the daily interest within 15 days from the date of signing or the date of bank account entry, and at the rate of ten thousandths of the daily interest after 15 days, and at the rate of fifteen thousandths of the daily interest after 31 days or when the overdraft amount exceeds the prescribed limit. The overdraft interest is not divided into sections, and the interest is calculated according to the highest interest rate grade of the deadline or the highest overdraft amount.

Article 21 The overdraft business of each card-issuing bank shall be managed in accordance with its credit scale. Overdraft is transferred to short-term loan accounting.

article 21 malicious overdraft refers to the overdraft behavior of the cardholder for the purpose of illegal possession, which exceeds the prescribed limit or time limit and is invalid after being collected by the issuing bank.

Article 22 Special units shall not refuse to accept valid credit cards legally held by cardholders and issued by contracted banks for any reason, and shall not charge additional fees to cardholders for using credit cards.

Article 23 Special units shall not pay cash to cardholders by pressing cards, signing bills or returning goods.

Article 24 Commercial banks shall charge credit card transaction fees from special units according to the following standards:

(1) RMB credit cards shall not be less than 2% of the transaction amount;

(2) Credit cards issued by overseas institutions and used in China shall not be less than 4% of the transaction amount.

domestic banks sign credit card agency acquiring agreements with overseas institutions, and the profit distribution ratio is implemented according to the fact that domestic banks and overseas institutions account for 37.5% and 62.5% of the handling fees paid by special units respectively.

article 25 the business rules of foreign currency credit cards shall be formulated separately.

Baidu encyclopedia-credit card