Legal analysis: Generally speaking, the conditions for opening a credit card are:

1. At least 18 years old, with full capacity for civil conduct;

2. Have a legal and stable income and work;

3. There is no bad personal credit record.

users who meet the above application conditions can apply to the bank for a credit card. After the approval of the bank, the credit card will be sent to the applicant by registered mail. After successful activation, the credit card can be used for consumption.

Legal basis: Measures of China Banking Regulatory Commission for the Supervision and Administration of Credit Card Business of Commercial Banks

Article 4 The card-issuing bank shall establish and improve the credit review system of credit card applicants, and clarify the management structure and internal control mechanism.

article 41 the issuing bank shall conduct a credit investigation on the credit card applicant, fully verify and completely record the applicant's valid identity, financial status, consumption and credit records and other information, and confirm that the applicant has a fixed job, a stable income source or a reliable repayment guarantee.