Must be at least 18 years old.

Chinese citizens, foreigners permanently residing in the country, and compatriots from Hong Kong, Macao and Taiwan who have full capacity for civil conduct, have legal and stable income, and have good credit standing can apply for a credit card from Everbright Bank with their valid documents. Card.

The main cardholder of the personal card can also apply for a supplementary card for other natural persons with full capacity for civil conduct or limited capacity for civil conduct.

Extended information:

Notes on the use of Everbright Bank credit cards

1. The credit card held by the cardholder has electronic payment function. Electronic payment includes online banking payment, agreement payment, mobile payment, quick payment, UnionPay online payment and other payment types. If the cardholder activates the electronic payment function through physical outlets, electronic channels or before the first transaction occurs, the bank will verify the cardholder's identity, card information, etc. in accordance with regulatory requirements. The cardholder agrees and authorizes the bank to take measures for the purpose of transaction security. The above behavior.

2. Credit card overdrafts earn compound interest on a monthly basis. The overdraft interest rate is approved or adjusted by the card issuer based on the cardholder’s qualifications, card usage, transaction type, etc. The daily interest rate range is three ten thousandths. Points 5 to 5/10,000 (annual interest rate range is 12.7750-18.2500), and is adjusted according to the interest rate changes of the People's Bank of China. No interest is charged on deposits in credit card accounts.

3. Malicious overdraft on a credit card is illegal. Do not overdraft a credit card maliciously, otherwise you will be prosecuted for credit card fraud and sanctioned by the Criminal Law of the People's Republic of China and the People's Republic of China.

According to Article 196 of the Criminal Law of the People's Republic of China and the People's Republic of China: Anyone who uses a forged or invalid credit card, or uses another person's credit card fraudulently, or uses a credit card fraudulently obtained with false identity certificates, shall be subject to a maximum fine of The offender may be sentenced to fixed-term imprisonment of not less than ten years or life imprisonment, and shall also be fined not less than 50,000 yuan but not more than 500,000 yuan, or have property confiscated.

China Everbright Bank Official Website - China Everbright Bank Credit Card Regulations (2017 Edition)

China Everbright Bank Official Website - China Everbright Bank Credit Card Internet Application Instructions