Generally, the conditions for applying for a large credit card are as follows:

1. A natural person with full civil capacity and repayment ability.

2. The age is between 18 and 65.

Other conditions for handling large credit cards:

1. Whether it is a local household registration (the score of local household registration is higher than that of foreign household registration);

2. Whether there is a house (owning a house is higher than not having a house, and living by oneself is higher than living with parents);

3. Do you have a fixed telephone number in this city (having a fixed telephone number in this city means that your place of residence is stable, which will increase your credit evaluation score by the bank);

4. whether or not to get married (the score of being married is higher than that of being unmarried);

5. Education level (the higher the education level, the higher the score);

6. the nature of the work unit (the more stable and well-known the work unit, the higher the score. For example, institutions, large state-owned enterprises and the world's top 5 enterprises all scored relatively high);

7. Job description (The higher the job, the higher the score. For example, civil servants and company managers score higher than ordinary employees).

because of its high overdraft, large credit cards have become a way for some small business owners and individual industrial and commercial households to turn over funds or even cash out. Therefore, the commercial banks are also very strict in reviewing the applicants for this business.