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Can ordinary people get a credit card?
Of course.

The Notice on Printing and Distributing the Measures for the Administration of Credit Card Business has corresponding provisions:

Article 33 Any unit that opens a basic account in a financial institution in People's Republic of China (PRC) may apply for a unit card. You can apply for multiple business cards, and the cardholder qualification shall be designated and cancelled in writing by the legal representative of the applicant or his entrusted agent.

Every citizen with full capacity for civil conduct can apply for a personal card. Personal card holders can apply for supplementary cards for their spouses and 18-year-old relatives, and the number of supplementary cards shall not exceed two at most. The holder of the main card has the right to request the cancellation of its supplementary card.

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Relevant provisions of the notice on printing and distributing the Measures for the Administration of Credit Card Business:

Article 39 If a credit card is lost or stolen, the cardholder shall immediately apply to the nearest card-issuing bank or correspondent bank with his/her ID card or other valid documents, and provide relevant information in accordance with regulations to handle the loss reporting procedures.

If the cardholder gets his credit card back after applying for loss reporting, he may apply for cancellation of loss reporting and stop payment. Cardholders can use credit cards to shop and spend in special units. The unit card shall not be used to settle commodity transactions and labor supply funds of more than 654.38+10,000 yuan. When a cardholder purchases with a card, he must submit his credit card and ID card to the agent of the special unit. IC cards and photo cards are exempt from ID cards.

Article 45 At the end of each business day, the special unit shall summarize the credit card purchase orders accepted on that day, calculate the handling fee and net amount, fill in the remittance (general) order and the bill of entry, and send them to the receiving bank for entry together with the purchase order.

Baidu Encyclopedia-Notice on Printing and Distributing the Measures for the Administration of Credit Card Business