Rural commercial credit cards are easy to handle. 18 years old, with certain conditions, can apply for a credit card. 1, no bad credit history. 2. Have normal income and be able to repay the balance or minimum repayment amount on time. 3. Being able to provide true proof of assets is helpful for banks to issue credit cards and increase the amount. It takes half a year to apply for the same bank credit card again after the credit card application is rejected.