The bank will check the credit information of both husband and wife. If both husband and wife have poor credit information, they cannot apply for a convenience card.
Convenience cards are jointly issued by banks and village committees and have all the functions of savings cards. However, the convenience card can only be applied by villagers in the village Committee, and non-villagers cannot apply.
Convenience card is a kind of loan card, which has the functions of credit limit and overdraft.