1. The applicant must be over 18 years old, have full capacity for civil conduct, have a legal and stable source of income, have a good credit standing, and have the ability to repay principal and interest on time.

2. Applicants need to provide valid identity documents and income certification documents.

3. The applicant opens a personal settlement account at Nanyue Bank and agrees to the bank deducting the overdraft amount of the credit card account from the designated personal settlement account.

4. The applicant agrees that the bank will register its credit card usage records in its personal credit system.

5. When applying for a platinum card, applicants need to submit relevant supporting documents, such as property certificate, vehicle certificate, deposit certificate, etc.