Legal analysis: the guarantor must be determined according to the specific situation. You don't need a guarantor to get a credit card. At present, different banks need different conditions to handle credit cards, and different customers need different special conditions. The basic conditions for handling credit cards are: going to the credit card center staff of local bank outlets, and some banks support online banking applications. At least eighteen years of age, with full capacity for civil conduct. Students need parents' written consent to return their cards. At the same time, before increasing the credit card limit of students, banks must obtain written guarantee materials that the second repayment source agrees and is willing to repay on their behalf. Have a stable income and the ability to repay in time. Submit ID card, work certificate, income certificate or property, vehicle and other assets certificates.

Legal basis: Article 196 of the Criminal Law of People's Republic of China (PRC) commits credit card fraud under any of the following circumstances. If the amount is relatively large, it shall be sentenced to fixed-term imprisonment of not more than five years or criminal detention and fined not less than 20,000 yuan but not more than 200,000 yuan; If the amount is huge or there are other serious circumstances, he shall be sentenced to fixed-term imprisonment of not less than five years but not more than ten years, and shall also be fined not less than 50,000 yuan but not more than 500,000 yuan; If the amount is especially huge or there are other especially serious circumstances, he shall be sentenced to fixed-term imprisonment of not less than 10 years or life imprisonment, and shall also be fined not less than 50,000 yuan but not more than 500,000 yuan, or his property shall be confiscated: (1) using a forged credit card; (2) Using an invalid credit card; (3) Fraudulent use of another person's credit card; (4) malicious overdraft. The term "malicious overdraft" as mentioned in the preceding paragraph refers to the behavior that the cardholder overdraws beyond the prescribed limit or time limit for the purpose of illegal possession, and refuses to return it after being urged by the issuing bank. Whoever steals a credit card and uses it shall be convicted and punished in accordance with the provisions of Article 264 of this Law.