Individuals who have reached the age of 18, have full capacity for civil conduct, have a fixed residence and a legally stable income may apply to the bank for a personal card master card with valid identity documents recognized by the public security department.

Any legal person who has opened a basic deposit account or any other economic organization authorized by a legal person may apply for a business card from the bank with the relevant supporting documents such as the account opening permit issued by the People's Bank of China. Units can apply for multiple unit cards, and the cardholder qualification shall be designated or cancelled in writing by the legal representative (person in charge) of the applicant unit or its entrusted agent.

Credit cards are registered in real-name registration system. The applicant shall fill in the application form correctly, completely and truthfully, and submit the relevant supporting documents required by the bank, and agree that the bank should know and inquire about the applicant's credit status from any relevant departments, units and individuals, including but not limited to the personal credit information database of the People's Bank of China, and keep and use relevant materials.

According to the applicant's credit status, the bank decides whether to issue cards, whether to require the applicant to provide guarantees and guarantee methods, determine the way and type of card handling, and verify the applicant's credit limit. Application materials that fail to pass the bank review will not be returned.

The ways for the applicant to provide guarantee include: guarantee, mortgage and pledge. A corresponding guarantee contract shall be signed separately for guarantee, and the scope of guarantee shall be subject to the corresponding guarantee contract. ?

Extended data:

Rights of Hebei Bank:

(a) the right to review the applicant's credit status, the right to verify the applicant's relevant information with any interested party, the right to request, save and use the applicant's personal data, the right to decide whether to issue a card to the applicant, and the right to verify and adjust the credit limit of the cardholder. For an application that is not approved, the bank does not need to explain the reasons to the applicant, and has the right to keep the relevant application materials and not return them.

(2) The bank has the right to adjust the total credit of the unit cardholder or the credit limit or card level of the individual cardholder according to the credit change, card usage or other factors of the cardholder.

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