The CBRC will not send credit cards to minors

This news (reporter Cheng Intern gong Xiao Yin) yesterday, the CBRC to the "Commercial Bank credit card business supervision and management measures" open for comments.　　The Banking Regulatory Commission said that the commercial bank credit card business will be included in the bank's internal control and risk management system, performance evaluation can not be a single link with the number of cards, is strictly prohibited to disclose credit card customer information, not to the minors. "Measures" stipulates that, without written authorization, commercial banks may not use the cardholder, the special merchant and other information in the bank's credit card business other ways. "The transaction must be partially shielded from the card number, and the commercial Bank and its cooperating agency shall not store the credit card information in excess of the business demand and fully protect the client's privacy."　　In addition to the attached card, the measures provide that no credit card can be issued to a person without a civil capacity, a minor, or a person without a stable repayment income. In standardizing the service of exceeding the limit card, the "measures" stipulates that the issuing bank to provide a credit card service, the collection of excess fees and other acts must be authorized in advance by the cardholder, before the authorization must provide information on the form of a surcharge and the calculation of the manner of notice, and clearly inform the cardholder has the right to revoke the authorization,　　No surcharge should be charged in a billing cycle. The CBRC has said to the network media, can not rely solely on the number of card issuing to carry out the assessment, "Service content, credit card loyalty and satisfaction, cabinet resources, such as the degree of savings can be listed as assessment indicators."　　In addition, can also be based on credit card cost and income of comprehensive measurement, how many live cards and complaints and other indicators. It is reported that the first half of 2010, credit card trading volume has reached 2.2 trillion yuan, more than the same period increased by 7,300 yuan.