Article 33 of the Notice on Printing and Distributing the Measures for the Administration of Credit Card Business stipulates that:
A company that opens a basic account in a financial institution in People's Republic of China (PRC) (China) may apply for a company card. You can apply for multiple business cards, and the cardholder qualification shall be designated and cancelled in writing by the legal representative of the applicant or his entrusted agent.
Every citizen with full capacity for civil conduct can apply for a personal card. Personal card holders can apply for supplementary cards for their spouses and 18-year-old relatives, and the number of supplementary cards shall not exceed two at most. The holder of the main card has the right to request the cancellation of its supplementary card.
In other words, as long as citizens with full civil capacity can apply for a credit card, there is no mention of spending money and borrowing money. Therefore, Hua Bai and Xie Bai can apply for a credit card normally before they are paid off.
Extended data:
1. Credit cards are only used by legitimate cardholders, and cardholders are not allowed to rent or lend their accounts.
2. After paying off the overdraft principal and interest, the cardholder may cancel the account under the following circumstances:
3. The cardholder fails to replace the new card 45 days after the credit card expires;
4. 45 days after the loss of the credit card was reported, the card was not reissued and the new card was not replaced;
5. Poor reputation, being included in the stop payment list, and the issuing bank has recovered its credit card for 45 days;
6. The cardholder dies for some reason, and the issuing bank has recovered his credit card for 45 days;
7. The cardholder requests the account cancellation or guarantor to cancel the guarantee and has returned all the credit cards for 45 days;
8. There is no transaction in the credit card account for more than two years (inclusive);
9. If the cardholder violates other regulations, the issuing bank thinks that the cardholder's qualification should be cancelled.
Baidu Encyclopedia-Notice on Printing and Distributing the Measures for the Administration of Credit Card Business