As a city bank, Bank of Ningbo will issue better credit cards (debit cards) than the four major state-owned banks. However, to ensure the success of the card application, the applicant must meet the following conditions, otherwise it will be easily rejected:

1. The applicant is over 18 years old and has independent capacity for civil conduct;

2. Have a stable job and income and have the corresponding repayment ability;

3. Long-term residence or work place has Bank of Ningbo outlets;

4. Submit the materials required to apply for a credit card (debit card), such as identity certificate, work certificate, residence certificate and financial certificate.

5. Personal credit information is good and there is no bad credit record.