1. Age requirements: Applicants must be at least 18 years old and have full capacity for civil conduct. This requirement ensures that the applicant has sufficient legal awareness and responsibility, and can understand and bear the risks and obligations related to the use of credit cards.

2. Credit record: The applicant must have a good credit record, and there is no negative information such as bad credit record or overdue repayment. When reviewing credit card applications, banks will focus on the applicant's credit status to ensure that the applicant can repay on time and reduce the risk of banks.

3. Repayment ability: Applicants need to have a stable occupation and income source, and can prove that they have sufficient repayment ability. This usually requires providing work certificates, income certificates and other related materials, so that the bank can evaluate the repayment ability of the applicant and determine the appropriate credit line.