1. Cardholders need to have a good credit record and cannot have overdue records.

2. The cardholder's income level should match the credit card limit. If the income is low, the bank may think that the cardholder's repayment ability is insufficient and refuse to withdraw cash.

3. The cardholder needs to have a certain consumption record, and the bank will decide whether to withdraw the amount according to the cardholder's consumption habits and spending power.

4. Cardholders need to have certain asset certificates, such as real estate and vehicles, which can prove the cardholder's economic strength and repayment ability.