1. The applicant has reached the age of 18 and has full capacity for civil conduct and repayment ability.
2. The applicant's average monthly balance of financial assets in China Construction Bank in the past year has reached more than 200,000 yuan, or the average monthly balance of personal loans has reached more than 500,000 yuan, and the repayment situation is good, with no bad records.
In the past year, the applicant spent more than 50,000 yuan on the dragon card.