12 points for a credit card of 1 10,000 yuan means that 1200 yuan will be deducted as the hard work fee. It should be reminded that it is free to apply for a credit card formally and legally. It is recommended to apply at a local bank outlet or official website after preparing the materials. See the requirements for processing credit cards as follows:

1. Age requirement: the age is between 18 and 65;

2. Income and asset requirements: have a stable occupation and income;

3. Credit and ability requirements: good credit and the ability to repay the principal and interest on time;

4. Have full capacity for civil conduct;

5. Provide the originals of various certificates.