Legal analysis: Low-income households can apply for credit cards. There is no direct relationship between subsistence allowances and credit cards. The subsistence allowance mainly examines the fixed assets of the family, personal income and the health of the family, while the credit card mainly examines the proportion of personal consumption expenditures, etc.

Legal basis: "Interim Measures for Social Assistance"

Article 9 The state shall provide for the per capita income of family members living together to be lower than the local minimum living security standard and meet the local minimum living security standard. Living security: Households whose family property status stipulates are provided with minimum living security.

Article 10 The minimum living security standard shall be determined and announced by the people's government of the province, autonomous region, municipality directly under the Central Government or the city divided into districts based on the necessary living expenses of the local residents, and shall be based on the local economic and social development level and price changes. Adjust the situation accordingly.

The methods for determining the income and property status of households receiving minimum living security shall be formulated by the people's governments of provinces, autonomous regions, municipalities directly under the Central Government or districted cities in accordance with relevant national regulations.