The document addresses questions and answers regarding the rules for issuing and operating credit cards in accordance with the Saudi Central Bank Circular No. 1446/12/23H, confirming that these rules are the primary reference. The main points include: 1. The issuing entity may not issue a credit card except based on a documented request from the client. 2. The issuing entity must notify the client of acceptance or rejection of the card issuance within three working days, clarifying the reasons f...