1. The applicant must be at least 18 years old and have full capacity for civil conduct.

2. The applicant has a stable job and income and the ability to repay the principal and interest.

3. The applicant has consumption abroad needs.

4. The applicant's personal credit information is good and there is no bad credit record.

5. The applicant has valid identification, such as ID card and passport.

Different banks have different application conditions. Whether a user can apply for a VISA card is subject to the approval result of the bank.