It is easy to apply for the credit card gold card of Guangfa Bank. Cardholders who meet the hard conditions of 18-65 years old, have completely independent civil capacity and have no bad credit record, have a bachelor's degree and have a work unit can apply. If you are a junior college student, you need to work in a public institution for at least one year before you can apply. Of course, different education and income will affect the credit card limit. Generally speaking, as long as they are full-time employees of institutions, they can apply for a gold card.