According to the Articles of Association of Furong Credit Card of Changsha Bank, any individual who has reached the age of 18, has full capacity for civil conduct, a fixed residence, a legal and stable source of income and solvency, and is a natural person with good credit standing can apply for a personal credit card from the card issuer with his valid identity document.

In addition, the credit card is only used by the applicant listed in the application form, and may not be rented, sold, transferred or used by others in other ways. Otherwise, the cardholder shall bear all the consequences.

Extended data:

Provisions of Changsha Bank on Interest and Charge of Credit Card

1. The cardholder shall repay all the repayment amount before the due repayment date (inclusive), and the current consumption transaction amount on the due bill shall enjoy interest-free treatment from the bank bookkeeping date to the due repayment date, with the longest interest-free repayment period of 56 days.

2. The cardholder can repay according to the minimum repayment amount stipulated by the card issuer. When the cardholder chooses the minimum repayment amount, he will no longer enjoy the interest-free repayment period. The card issuer will calculate the interest on the transaction funds that the cardholder does not meet the interest-free conditions from the bank bookkeeping date until all debts are paid off and compound interest on a monthly basis.

Articles of Association of the Official Website of Furong Credit Card of Changsha Bank