Hello, this cardholder. To apply for ICBC Peony Credit Card, you must be at least 18 years old, have a stable job and income, have full capacity for civil conduct and have a good credit status. If you meet these basic conditions, you can apply for ICBC Peony Credit Card. In addition, there must be no bad credit record. If you have a bad credit record, it will greatly affect your card application. If you have overdue or other bad credit records before, it will be difficult for you to apply for a credit card again. When the bank examines your personal data, it finds that you have a bad credit record, and it is almost certain that your application will not pass.