1. Qualification of main card applicant Any individual who has reached the age of 18, has full capacity for civil conduct, has a legal and stable source of income and has a good credit standing can apply for a personal credit card main card with his/her valid identity document to the card issuer of our bank.

2. Qualification of supplementary card applicant The cardholder of individual card master can apply for supplementary card for a designated natural person with full capacity for civil conduct or limited capacity for civil conduct over 15 years old. If the supplementary card applicant is under the age of 18, the consent of his legal representative must be obtained. The cardholder of the main card bears all the debts incurred by the supplementary card.