Legal analysis: Yes, 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: "Measures for the Supervision and Administration of Credit Card Business of Commercial Banks" Article 43 For customers who apply for our bank's credit cards for the first time, credit cards shall not be issued through automatic card issuance by the entire system. Credit card applicants should be subject to strict review and strengthen risk prevention and control when they have the following circumstances:

(1) Leaving relevant suspicious information or criminal records in the identity information system;

(2) There is no credit record in the credit reporting system;

(3) There are bad records in the credit reporting system;

(4) There are multiple banks in the credit reporting system Loan or credit card credit records;

(5) Business travel cards and business purchase cards issued by the unit;

(6) Risk information obtained through other channels.