The latest bank credit card rate is 99%. China CITIC Bank's credit card Puka has also been released recently, and the card issuance rate is almost as high as 99%. Citizens with full capacity for civil conduct (citizens aged 65,438+08 in Chinese mainland) and a certain source of direct income can apply for a credit card from the issuing bank. Sometimes a legal person can also be an applicant, and the object of applying for a credit card can be divided into units and individuals. Applicants should be organs, enterprises and institutions, foreign-invested enterprises and individual industrial and commercial households with independent legal personality in China. When applying for a credit card, each unit can get a main card and multiple (5- 10) supplementary cards as needed. Individuals applying for credit cards must have a fixed occupation and a stable source of income, and provide guarantees to banks. The forms of guarantee include personal guarantee, unit guarantee and personal fund guarantee.