Can ICBC send an invitation message to apply for a struggle card without filling out the form?

According to Article 38 of the Measures for the Supervision and Administration of Credit Card Business of Commercial Banks, the issuing bank shall openly and clearly inform the applicant of the application materials and basic requirements. The application materials must be signed by the applicant himself, and the card shall not be issued without the customer's knowledge or against the customer's wishes.

The application materials for the supplementary card of the credit card accepted by the issuing bank must be confirmed by the main cardholder through personal signature, customer service telephone recording, electronic signature or a way recognized by both the cardholder and the issuing bank.

Extended data:

Provisions of commercial banks on handling relevant requirements for credit cards:

1. The issuing bank shall conduct a credit investigation on the credit card applicant, fully verify and completely record the applicant's valid identity, financial status, consumption and credit records, and confirm that the applicant has a fixed job, a stable income source or a reliable repayment guarantee.

2. When issuing a credit card, the cardholder shall be informed in writing of the credit card bill date, credit card articles of association, instructions for safe use of the card, customer service telephone number, service and charging information inquiry channels and other information, so that the cardholder can use the credit card safely.

Baidu Encyclopedia-Measures for the Supervision and Administration of Credit Card Business of Commercial Banks