The credit card is inactive and does not pay any fees

The credit card does not activate also must pay the annual fee, the student can handle the credit card by the student card ... Such things may not happen in the future.　　Yesterday, the CBRC issued through the official website, "Commercial Bank credit card business supervision and management measures" (draft), to the application of credit cards, fees and other aspects of detailed provisions. Students do not have credit cards more than two bank students may no longer be able to apply for credit cards at will, "no more than two card issuing banks are issued to the same applicant with the same qualifications (except for supplementary cards)."　　"The draft stipulates that the issuing bank shall not issue credit cards to financial consumers under the age of 18 (except supplementary cards)." The credit card is not activated without any charges "shall not activate the receiving agreement without the applicant's signature confirmation, without activating the procedure to confirm the cardholder's identity card."　　"The draft notes that the new credit card, the loss of card replacement, damage change card, the expiration of card replacement must be activated to the cardholder to open the use."　　The opinion draft stipulates that the credit card is not activated by the cardholder and no charges may be deducted.　　6 months without a credit card reduction. If your credit card is not in use for a long time, the credits may be reduced.　　The opinion draft stipulates that the contract has been adopted by credit card, if a written agreement, an electronic bank record or a customer service telephone recording is agreed, the issuing bank may reduce the credit limit for a card that has not occurred for more than 6 months, but must inform the cardholder in advance of 3 working days in accordance with the agreed manner. To charge a fee exceeding the limit, the card issuing bank which provides the credit limit card service must obtain the cardholder's authorization beforehand if it is required to charge a surcharge.　　"The draft notes that card issuers are required to provide a notice of the form and method of payment for a surcharge before the cardholder has authorized the authority to grant the excess fee, and expressly inform the cardholder of the right to revoke the credit card service."　　Collection of credit card debt shall not be violent coercion in the recovery of credit card debt, the opinion draft stipulates that the card issuing bank should be the debtor himself and its guarantor to carry out the collection, not to the debt-related third parties to collect or harass, shall not use violence, coercion, intimidation or abuse of improper collection behavior. Reporter Zhang Bin trainee reporter Qianyu