Good application. According to the survey, Cai Xi. Com display. As a local bank, it is better for Harbin Bank to apply for a credit card than the four major state-owned banks, but the applicant must also meet the basic conditions for issuing a credit card: the applicant 18 years old or above, has a good credit report, has a stable job and income, and has the corresponding repayment ability. Under the same credit conditions, Puka is superior to Gold Card, and Gold Card is superior to Platinum Card.