Legal analysis: The conditions that commercial banks should meet when applying to open credit card business include having a good reputation, having a complete and effective internal control mechanism and case prevention and control system, and having no major violations of laws or regulations or major malignant cases in the past three years. .

Legal basis: "Credit Card Business Management Measures" Article 27 Banks that offer credit card business must meet the following conditions:

(1) Comply with the "People's Bank of China and the People's Republic of China" The National Commercial Bank Law and the asset liability ratio monitoring indicators supplemented by the People's Bank of China;

(2) Corresponding internal management agencies;

(3) Qualified managers and Technical personnel;

(4) Sound management system and safety system;

(5) Necessary telecommunications equipment and business premises;

(6) China Other conditions specified by the People's Bank of China.