Take the owner's credit card as an example. To apply for the owner's credit card, the owner must meet the following conditions:

1. The applicant is at least 18 years old and has full capacity for civil conduct, and the applicant can provide valid identification;

2. The applicant has a legal and stable job and income, and can repay the arrears of the owner's card on time;

3. The applicant has good personal credit and no bad credit records such as overdue credit cards;

4. The applicant has at least one non-operating vehicle.