Students with Bank of China Water Lily Card are not allowed to apply. The Bank of China Water Lily Card is the first world-class art credit card jointly issued by Bank of China and MasterCard. It is a platinum card and has relatively high requirements for applicants. Students are low-income groups with no fixed source of income and cannot provide a large amount of financial proof to prove that they have sufficient repayment ability. Therefore, after submitting the application, they are generally rejected.