It is illegal and needs to bear corresponding legal responsibilities. Bank card "three-piece set" includes ID card, bank card and mobile phone card. Bank cards cannot be sold casually. If I lend my bank card to others, I will be responsible for other people's criminal behavior. Bank card refers to a credit payment tool issued to the society with the approval of commercial banks (including postal financial institutions), which has all or part of the functions of consumer credit, transfer settlement and cash deposit and withdrawal. Cash and checks have broken through the limitations of time and space and have undergone fundamental changes. The application of bank card automatic settlement system has realized the dream of "no cheque, no cash society". From August 20 17 1 day, the annual management fee for bank cards will be cancelled and the basic fees for financial services of some commercial banks will be suspended. 20 19 on April 22nd, China unionpay released the report on the development of bank card industry in China (20 19). On August 15, 2020, Baidu Company, baixin bank and China UnionPay jointly launched the first digital bank card Baidu Flash Payment Card in China. On August 3rd, Kloc-0, China UnionPay released its first digital bank card "UnionPay Unbounded Card". 20 19 12 at its meeting1785th, the judicial Committee of the Supreme People's Court adopted the provisions of the Supreme People's Court on several issues concerning the trial of civil disputes over bank cards, which came into effect on May 25th. 202 1 It is clear that if a user's bank card is stolen and swiped, which proves that he is not responsible, he can claim compensation from the bank.

Since the 1970s, due to the rapid development of science and technology, especially the use of computers, the use of bank cards has been expanding. It not only reduces the circulation of cash and checks, but also breaks through the limitation of time and space, which makes fundamental changes in banking business. With the application of bank card automatic settlement system, the arrival of "no check, no cash society" is about to become a reality. The 20-year development of China bank card industry can be roughly divided into four stages: from 1985 to 1990, which is the primary stage. From the early 1990s to the beginning of 1996, the bank card business of large and medium-sized city branches developed independently. At this stage, the Gold Card Project started. The period from 1997 to 200 1 the end of the year is the stage of the gradual networking and widespread use of bank cards in China. Since 200 1, it has been a stage of in-depth development of bank card networking in China, and the number of bank cards issued by banking institutions nationwide has increased rapidly. Yang Zaiping, full-time vice president of China Banking Association, said that by the end of the first quarter of 20 10, the number of cards issued nationwide had reached 21690,000, up by 14.9% year-on-year. The utilization rate of bank cards has gradually increased, and card consumption accounts for 30% of social consumption. By the end of 20 1 1, the number of bank cards issued exceeded 2.85 billion, up by 18% year-on-year. Credit card spending exceeded 16 trillion yuan, up more than 50% year-on-year, accounting for more than 40% of the total retail sales of consumer goods, up about 6 percentage points from 20 10. 20 1 1 year, more convenient payment outlets were added nationwide, and directly connected merchants147,000 households and POS machines110,000 units were added in secondary cities, reaching108,000 households and15/kloc-0 respectively. In the whole year, there were 2.2 trillion yuan and 860 million bank card transactions, accounting for 47.4% and 52% of the national bank card transactions respectively, and the contribution of transaction amount to the increase of points at the beginning of the year was 2.4 percentage points. China UnionPay United Commercial Bank has launched the Rich Farmer Card, which has been issued by 28 institutions in 28 provinces, with an annual card issuance of more than 5 million, making it a new platform for serving agriculture, countryside and farmers.

2. The process of applying for credit card and debit card is different. When applying for a credit card, you need to bring your valid certificate (ID card or ID card copy or household registration book or household registration book copy), residence certificate, unit income certificate or personal assets certificate and other materials to the bank counter to handle the relevant procedures. You need to fill in the application form, and the information you fill in should be true. Fill in the application form and file it with the head office of the bank. It takes about 20 working days to issue the card to the customer after the head office of the bank reviews the application materials. Credit cards are only applicable to customers over the age of 18, and minors are not allowed to apply for credit cards. Applying for a debit card is relatively simple. Just bring your valid certificate (ID card or household registration book) to the bank where you open the account and fill out the application form. At that time, you can send the card to the applicant. There is no age limit for applying for a debit card, and minors can also apply. /kloc-When customers under the age of 0/6 apply for debit cards, the guardian should go to the counter of the bank branch with the household registration book (if they are not in the same household registration book, relevant certificates should be provided), and the agent may not be present; /kloc-minors over the age of 0/6/kloc-minors under the age of 0/8 can apply for debit cards at the bank counter by themselves with their work permit and ID card. If you don't take part in the work, you still need the assistance of the guardian, and the manager may not be present; 18 years old, the agent can apply for debit card or self-service card directly at the counter of the bank branch with his ID card. According to national regulations, debit cards handled by minors do not have online banking function and cannot be bound with mobile payment software.