Handling credit cards is based on credit and does not require any mortgage or pledge. If you want to get a high credit card, you need good credit and relatively high income. If you have proof of real estate, automobile production, etc. It is also conducive to applying for a high credit card. Measures for the supervision and administration of credit card business of commercial banks Article 41 The issuing bank shall conduct a credit investigation on the credit card applicant, fully verify and completely record the applicant's effective identity, financial status, consumption and credit records, and confirm that the applicant has a fixed job, a stable income source or a reliable repayment guarantee.