First of all, your bank card account has been in a state of non-personal use since it was opened, which indirectly forms a rental or lending account, which violates the provisions of the Measures for the Administration of RMB Bank Settlement Accounts that depositors are not allowed to rent or lend bank settlement accounts, and the bank card has not been issued to the customer himself. Once it is used by others to engage in illegal activities such as money laundering and fraud, it will inevitably bring certain financial risks and legal risks to banks. Secondly, the current economic environment is more complicated and illegal financial activities are rampant in society. Because criminals don't want to reveal their true identity, they usually use other people's certificates to open bank accounts, or buy other people's bank accounts in society to engage in illegal activities, which seriously disrupts the social and financial order and increases the difficulty for banks to guard against external risks. So it is not recommended that you apply for a bank card for him.