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It also sets out the best practices that they should aim to achieve. Unsolicited Commercial Communication This circular is aimed at providing general guidance to banks/NBFCs on their credit card operations, and the systems and controls expected of them in managing their credit card business.Horizontal cables run from telecommunications room patch panels to logically placed zone distribution box connections mounted in plenum spaces or raised floors as part of the horizontal cabling system.Copper or fiber cables then run from zone distribution boxes to specific zones or outlets, using patch cords to connect.Delivering network connections out across different environments - from manufacturing floors to hotel rooms - supports Internet of Things and allows for easy movement and repositioning of connected devices without reconfiguration or long cable runs back to the telecommunications room.

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All the credit, debit and pre-paid card issuing banks and credit card issuing NBFCs should adhere to these guidelines strictly. Very often, there is a strong correlation between an economic downturn and deterioration in the quality of such portfolios.

BC.4//2013-14 dated July1, 2013 consolidating the instructions/guidelines issued on credit card operations of banks and NBFCs and debit cards/prepaid card operations of banks. The instructions on credit card operations of banks and NBFCs as well as guidelines on issuance of debit cards and co-branded pre-paid cards by banks issued up to June 30, 2014 have been consolidated in this Master Circular. It may be noted that the instructions on credit card operations of banks are applicable, mutatis-mutandis, to NBFCs issuing credit cards. The Master Circular has been placed on the RBI website (org.in). Protection of customers’ rights 6.1 Right to privacy 6.2 Customer confidentiality 6.3 Fair practices in debt collection 7. Experience has shown that the quality of banks’ credit card portfolios mirrors the economic environment in which they operate.

For example: To accommodate more connected devices, and bring the network out into the environment, outlets can be relocated - but the cable coming from the wiring closet to the zone distribution point can remain untouched.

The only cable that needs to be rerouted is the one located at the zone distribution point.