Financial institutions have the power to investigate the credit history of customers using their credit cards, in order to establish whether these people have the real capacity to be able to resolve the formalities relating to the payment of interest for its use. If they find that for some reason the cardholder has a debt with a business name or personally, or has been late in paying the debt required for the use of plastic money, then the entity is fully legal entitled to withdraw the credit card to this class of customers. This procedure, in itself quite problematic for those who suffer the loss of sponsorship, must be done according to regulations of the State agency responsible for enforcing the rights of trade associations and their enrolled, and also consistent with the policies of working on the corporation in question.

First, the entity called or gives a date to the cardholder to respond to the credit history to which the commercial institution has access, where obviously being clear and confirmed information. If there has been confusion on this, or indeed the client has debts but some that were not incurred by him or her in the information layer, then in this case the customer is entitled to a reassessment of the case to be legally spare indictment by improperly. If the story about debits is correct, the bank usually has the obligation to grant a special deadline for settling all commercial problems of the cardholder. These agree must be done through the direct presence of the customer and the issuing officer of the entity, understood such as the administrator or manager, by a notarized certificate to be registered.

If after the deadline given by the cardholder financial institution has not yet been able to solve their specific financial problems, is withdrawn to the credit card, prior notice to the central government allocated for the bank cases. The cardholder is entitled to a replacement card only if it has complied with the full payment of charged debts, but while not having the credit card he or she may not request replacement, unless the management of the lending institution decides otherwise. Normally in these cases are also closing other possibilities for the bank operations for those who have these problems, but this can be arranged a little in case of granting a special permit.