Bank of Communications credit card should be supplemented with social security accumulation fund certificate.

The reason why the credit card of Bank of Communications requires to supplement the social security accumulation fund certificate is because its risk control mechanism needs to further verify the income and assets of the applicant to ensure the repayment ability and credit status of the credit card applicant. Social security and provident fund are one of the sources of personal income and assets. Providing these certificates can enable banks to better evaluate the repayment ability of applicants and help reduce the risk of non-performing loans. In addition, providing social security accumulation fund certificates can also improve the credit score of credit card applicants, because these certificates can prove the stability of applicants' income and assets, which is conducive to improving personal credit records and credit scores, thus obtaining higher credit limits and more favorable credit card services. Therefore, providing proof of social security accumulation fund is a risk control measure taken by banks to protect their own interests and customers' interests.