Conditions for applying for a credit card: at least 18 years old, with full capacity, stable repayment ability and no bad credit record. You need to submit your ID card and documents that prove that you have a stable repayment ability, such as work (income) certificate, car production certificate in your own name, deposit certificate in your own name, and so on. In the past, credit card approval was very loose, and banks issued many cards to college students. Now the approval is tightened. All banks have credit cards for college students, but the second source of repayment should be implemented.

The Notice of CBRC on Further Regulating Credit Card Business requires that banking financial institutions should follow the principle of prudence in issuing credit cards to students. Credit cards (except supplementary cards) shall not be issued to students under the age of 18. When issuing credit cards to students who have reached the age of 18 and have no fixed job or stable income, the second repayment source must be implemented, and the second repayment source should have the corresponding repayment ability. Before issuing a card, a banking financial institution must confirm that the second repayment source has agreed in writing to bear the corresponding repayment responsibility, otherwise it may not issue a card.