Residents in China who have reached the age of 18, have full capacity for civil conduct, have a good reputation, and have a legal and stable source of income, as well as foreigners who live legally in China, can apply to the issuing bank for a personal postal savings credit card with valid identity documents recognized by the public security department and other supporting documents or materials designated by the issuing bank. Personal card holders can apply for supplementary cards for designated persons who have reached the age of 16 when handling the main card.