Legal analysis: it is impossible to apply for a credit card only with a business license. There is no ID number on the business license, and the bank needs the applicant to provide the ID number. A business license is proof of financial resources, and providing a business license to a bank helps to increase the credit card limit. The necessary certificate for applying for a credit card is People's Republic of China (PRC) (China) second-generation ID card. If the applicant wants to get a large credit card, he can provide a business license and tax bills, real estate, cars, deposits, funds, stocks and debts for the past three months.

Legal basis: Measures for the Administration of Bank Card Business

Article 12 An issuing bank may require an applicant to provide a guarantee according to his credit status. The guarantee method can be guarantee, mortgage or pledge.

Article 45 The issuing bank shall observe the following risk control indicators for credit card business: (1) The single overdraft amount of the same cardholder shall not exceed 20,000 yuan (including foreign currency equivalent) for personal cards and 50,000 yuan (including foreign currency equivalent) for business cards. (2) The monthly overdraft balance of an individual card in the same account shall not exceed 50,000 yuan (including equivalent foreign currency), and the unit card shall not exceed 3% of the comprehensive credit line granted by the issuing bank to the unit. The monthly overdraft balance of the unit without comprehensive credit line for reference shall not exceed 654.38 million yuan (including equivalent foreign currency). (3) The overdraft limit of foreign currency cards shall not exceed 80% of the cardholder's deposits (including the pledged amount of certificates of deposit). (4) The monthly average overdraft balance that newly occurs over 180 days (including 180 days, the same below) since the implementation date of these Measures shall not exceed 15% of the monthly average overdraft balance.