1, age condition, the party concerned must be at least eighteen years old;

2. Substantial conditions: different banks have different credit card issuance conditions, and the state has no unified regulations. The issuing bank shall be determined according to the specific circumstances of the bank and inform the applicant;

3. When issuing student credit cards, banks must strictly control and cannot issue them at will. For example, before issuing student credit cards, the issuing bank must implement the second repayment source. If the second repayment source is not implemented, it cannot be issued.

Conditions for handling Class I cards:

1, the applicant must have full capacity for civil conduct;

2. Applicants need to provide valid identity documents;

3. The applicant must have a stable source of economic income;

4. The applicant must pass the credit examination of the bank;

5. The applicant agrees to abide by the relevant agreements and regulations of the bank.

To sum up, the conditions for handling a first-class card include age limit, credit card issuance conditions of different banks and strict credit card issuance requirements for students.

Legal basis:

Notice of the People's Bank of China on Strengthening the Management of Bank Card Business

(1) Strictly implement the real-name registration system for bank accounts. The issuing bank shall strictly implement the customer identification system and the real-name registration system of bank accounts, carefully review the authenticity and validity of the application materials for bank cards, and ensure that the application for bank cards is the true wishes of customers. If a customer applies for online payment, telephone payment, mobile payment, other electronic payment and other non-counter services for the bank card he has applied for or held, the issuing bank may require the customer to provide other auxiliary identity documents to further verify the customer's identity, in addition to reviewing the valid identity documents such as his resident identity card. Card-issuing banks should not blindly pursue the scale of card issuance, and apply for a bank card as a mandatory additional condition for business handling without using a bank card. For customers who have applied for bank cards in the same bank to apply for the same type of bank cards again, the issuing bank should actively guide customers to reduce the number of duplicate cards according to the actual needs of customers.