1. Age requirement: the age is between 18 and 65;

2. Income and asset requirements: have a stable occupation and income;

3. Credit and ability requirements: good credit and the ability to repay the principal and interest on time;

4. Have full capacity for civil conduct;

5. Provide the originals of various certificates.

Credit card ordinary card can overdraw 40%-50% of the maximum amount; The interest-free period for normal credit card consumption is 20-50 days.

In case of overdraft, a handling fee of 1% will be paid, and the interest will be charged according to the central bank's bank card business management measures. The interest is 0.5 ‰ per day, that is, the monthly interest rate 1.52% and the annual interest rate 18.25%.