1. The applicant is between 18 and 60 years old and has full capacity for civil conduct.

2. Applicants need to have good personal credit and no bad credit record.

3. Applicants need to have a high income level, and the annual income is generally more than several hundred thousand yuan.

4. The applicant must receive the invitation letter from China CITIC Bank.

5. The applicant must have a deposit of at least 500,000 RMB in China CITIC Bank.

6. Applicants need to hold high-grade credit cards from other banks.