Your conditions are really difficult to apply for, but if you have a large amount of deposits in the bank and a running account, you should be able to apply.

This is the condition for application: present the original of your valid ID and provide a copy of your valid ID. Valid identity documents refer to identity documents that comply with laws, administrative regulations and relevant national regulations, such as resident identity cards, military officer ID cards, police officer ID cards, household registers, passports, and return permits for compatriots from Hong Kong, Macao and Taiwan.

Secondly, you must provide any of the following income certification documents: (1) salary records issued by the bank in the past three months; (2) income certificate issued by the unit, foreigners, Hong Kong, Macao and Taiwan Compatriots also need to provide proof of employment; (3) income tax withholding certificate; (4) payment certificates for provident fund, pension insurance, medical insurance, and unemployment insurance.

Secondly, being able to provide the following documents proving your residence and property will help the Agricultural Bank of China to prioritize your application and grant a higher credit limit: (1) Landline telephone number of your home address in the past three months, Payment receipts for gas, water, electricity and property management fees; (2) House rental contract and proof of rent for the past three months; (3) Copy of the property ownership certificate of the self-owned house (4) Copy of the driving license of the self-owned motor vehicle ; (5) Copy of housing loan and car loan contract; (6) Copy of time deposit certificate issued at Agricultural Bank of China with an amount exceeding 10,000 yuan.

You can try to apply. It doesn’t cost anything anyway. I hope the answer will be helpful to you.