If the applicant has retired and is under 65 years old. Then the applicant can provide other financial certificates to China Everbright Bank to prove that he has the ability to repay the loan on time. For example, income tax withholding certificate, copy of self-owned real estate license, copy of self-owned car driving license, bank time deposit certificate, etc. If the applicant's children hold Everbright Bank credit cards, they can also apply for their supplementary cards.