A natural person with full capacity for civil conduct may apply to the card issuer for a personal CITIC Credit Card with his valid ID card and other documents required by the card issuer. The age requirement for applying for the master card is 18-60 years old; Age requirement of supplementary card: 16-65 years old. At present, only the second-generation Chinese ID card application is supported.

Personal card holders can apply for supplementary cards for other natural persons. The cardholder of the main card shall be jointly and severally liable for the debts incurred under the main card and the supplementary card, and the cardholder of the supplementary card shall be jointly and severally liable for the debts incurred under the main card.