Legal analysis
According to the relevant laws and regulations on handling credit cards, natural persons with full civil capacity can handle them, while robots, vegetarians, minors and people with a certain degree of mental illness are not allowed to handle them. Schizophrenia patients don't realize that hallucinations, weird thoughts and behaviors are diseases, patients don't realize that there is something wrong with their mental activities, they don't realize their own pathological changes, they deny that they are sick, and they don't know themselves. Citizens with a certain direct source of income can apply for a credit card from the issuing bank. The object of applying for credit card can be divided into units and individuals. When applying for a credit card, you can apply for a main card and multiple supplementary cards as needed. Individuals applying for credit cards must have a fixed occupation and a stable source of income, and provide guarantees to banks. The forms of guarantee include personal guarantee, unit guarantee and personal fund guarantee. The application method is generally by filling in a credit card application form, which generally includes the applicant's name, basic information, economic situation or income source and its basic information. And submit some copies of certificates and vouchers to the issuing bank. After filling in the application form truthfully, the customer shall submit the completed application form and relevant credit certificate. A credit card contract is attached to the application form. The applicant authorizes the issuing bank or relevant departments to investigate the relevant information, and submit the information authenticity statement and the privacy protection policy of the issuing bank. , and must have the applicant's autograph.
legal ground
People's Republic of China (PRC) Civil Code
Article 21 An adult who cannot identify his own behavior is a person without capacity for civil conduct, and his legal representative shall act as his agent to carry out civil legal acts. The provisions of the preceding paragraph shall apply to minors over the age of eight who cannot recognize their own behavior.
Article 22 An adult who cannot fully recognize his own behavior is a person with limited capacity for civil conduct. When performing a civil juristic act, he shall be represented by his legal representative or approved and ratified by his legal representative. However, civil legal acts that are purely beneficial or suitable for their intellectual and mental health can be implemented independently.
Article 23 The guardian of a person without or with limited capacity for civil conduct is his legal representative.