1. A person who has reached the age of 18 and has full capacity is 65 years old; 2. Have a stable repayment ability; 3. Good credit record.

Second, the proof materials

1. ID card (required). Overseas people provide copies of passports, Hong Kong, Macao and Taiwan people provide copies of home visit certificates/Taiwan compatriots certificates, and military armed police provide copies of military or police officers' certificates.

2. Work certificate, copy of work permit, work permit and business card can also be used as work certificate.

3. The income certificate is issued by the personnel administrative department of the unit, and it is best to open it together with the work certificate. If you really don't have it, you can also use the salary slip, a copy of the passbook for paying wages, and a transaction list of the bank card for paying wages.

Hello, it's hard to say After retiring for so long, the age has exceeded the age limit for handling credit cards, so don't apply.