If you owe installments, you can apply for a credit card if your credit status is good and you meet other credit card application conditions stipulated by the card-issuing bank. If the credit status of the party concerned is poor, or if there is no fixed job, stable source of income or reliable repayment guarantee, generally you cannot apply for a credit card.

Legal Basis

Article 9 of the "Measures for the Supervision and Administration of Credit Card Business of Commercial Banks"

The term "card issuance business" as mentioned in these Measures refers to the card-issuing bank's business based on the customer's Based on the evaluation results, we will sign contracts with qualified customers to issue credit cards and provide related banking services.

Article 38

The card-issuing bank shall publicly and clearly inform the applicant of the application materials and basic requirements that need to be submitted. The application materials must be signed by the applicant himself and shall not be used by the customer. Issuing cards without the customer’s knowledge or against their wishes.

Article 41

The card-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 source of income or reliable repayment guarantee.