No, the certificate of education is only a voucher for handling credit cards, and those without education can also handle it.

The bank considers the nature of the applicant's work and repayment ability.

1. Applicants should be 18-60 years old (foreigners are 25-60 years old), have certain economic ability and have a good credit record.

2. The applicant for supplementary card is over 14 years old (inclusive), and the principal cardholder can apply for supplementary card for immediate family members (parents, spouses or children).

3. Original and photocopy of ID card.

4. Work certificate and income certificate (required to be stamped by the company).

5. Non-local household registration also requires proof of residence.