First of all, we need to know whether there is a SMS notification. If you don't receive the text message, go to the bank to check. Credit cards are divided into credit cards and quasi-credit cards according to whether the reserve fund is deposited with the issuing bank. Credit card refers to the credit card that the issuing bank gives the cardholder a certain credit limit, and the cardholder can spend first and then repay.

Quasi-credit card refers to a credit card in which the cardholder must first deposit a certain amount of reserve fund according to the requirements of the issuing bank, and when the balance of the reserve fund account is insufficient to pay, it can be overdrawn within the credit limit stipulated by the issuing bank.

A commercial bank with extended information shall meet the following conditions for opening bank card business:

(1) It has been in business for more than 3 years and has a good business foundation for handling retail business;

(2) It meets the monitoring indicators for asset-liability ratio management promulgated by the People's Bank of China and is in good operating condition;

(3) The business has established a scientific and perfect internal control system with clear internal authorization approval procedures;

(4) Having qualified managers and technicians and corresponding management institutions;

(5) Safe and effective computer processing system;

(six) the issuance of foreign currency cards must also have the qualification to operate foreign exchange business and the corresponding foreign exchange business management level;

(seven) other conditions stipulated by the people's Bank of China.

Baidu Encyclopedia-Bank Card Management Measures