1. The applicant should be between 18 and 65 years old and have full capacity for civil conduct;

2. Applicants need to have a stable job, a stable income and a legal source;

3. The applicant must have a good personal credit record;

4. Other bank credit cards used by the applicant have no arrears within six months.

The cardholder of the main card can be a qualified child, or can apply for a supplementary card of the card. Supplementary card applicant must be 12 years old.

Credit card is a special carrier card issued by commercial banks to individuals and units, which can be used for shopping, consumption and cash withdrawal from banks.