the cardholder who applies for the ABC personal card master card must meet the following application conditions: (1) a natural person who has reached the age of 18 and has full capacity for civil conduct. (2) It has a good credit record and complies with the relevant regulations of the Bank on credit card credit management. (3) having lawful, sufficient and stable income or assets. (4) Having a fixed residence, a stable job or a stable business place in China. (5) If credit is granted according to the application score, the application score must meet the minimum requirements of the Bank. Individuals who have reached the age of 14 may apply for a supplementary credit card from Agricultural Bank of China with the consent of the main cardholder.