1. In most cases, citizens with full capacity for civil conduct (citizens aged 65-438+08 in Chinese mainland) who have a certain direct source of income can apply for a credit card from the issuing bank. Sometimes, legal persons can also act as applicants;
2. The object of applying for a credit card can be divided into units and individuals. Applicants should be organs, enterprises and institutions, foreign-invested enterprises and individual industrial and commercial households with independent legal personality in China. Each unit can get a main card and several (5- 10) supplementary cards when applying for a credit card;
3. Individuals applying for credit cards must have a fixed occupation and a stable source of income, and provide guarantees to banks. The forms of guarantee include personal guarantee, unit guarantee and personal fund guarantee.
Legal basis: Civil Code of People's Republic of China (PRC).
Article 675 The borrower shall repay the loan within the agreed time limit. If the term of the loan is not agreed or clearly agreed, and cannot be determined according to the provisions of Article 510 of this Law, the borrower may return it at any time; The lender may urge the borrower to return it within a reasonable period of time.
Article 676 If the borrower fails to repay the loan within the agreed time limit, it shall pay the overdue interest in accordance with the agreement or the relevant provisions of the state.