The conditions that need to be met when applying for a Ganzhou Bank credit card are:

1. The applicant is between 18 and 65 years old and is a natural person with full capacity for civil conduct.

2. The applicant has a fixed residence address in the local area.

3. The applicant has a stable job and income, and has the ability to repay the debt.

4. The applicant’s personal credit record is good and there is no bad credit record.