1. Domestic applicants must be between 18 and 65 years old, and overseas applicants must be between 25 and 65 years old and have full capacity for civil conduct.

2. Applicants need to have good personal credit and no bad overdue records.

The applicant needs to have a stable job with a monthly income of at least 5000 yuan.

4. The applicant has worked in this unit for one year, and can produce the original employment certificate or professional qualification certificate, such as lawyer's practice certificate and registered auditor's qualification certificate.

5. The average credit limit of the applicant holding another bank's credit card is not less than 5,000 yuan.