Applying for installment payment when buying a mobile phone has nothing to do with whether you can apply for a credit card. As long as you meet the requirements for applying for a credit card, you can apply for a credit card. The regulations are as follows: 1. Age requirements: between 18 and 65 years old; 2. Income and asset requirements: Have a stable career and income; 3. Credit and ability requirements: Have good credit and the ability to pay interest on time; 4. Have full capacity for civil conduct; 5. Provide original copies of various certificates .