You could say that. Sending a credit card to an individual is equivalent to the bank giving the cardholder an unsecured loan, so the bank will consider the cardholder's spending power and repayment ability when issuing the card. Generally, as long as you can provide stable proof of income, such as social security paid by the unit, work permit issued by the unit to the individual, or personal salary. (The monthly income is not lower than the local minimum social security payment base).

Generally speaking, as long as you can prove that you have sustained and stable income, because credit card is a long-term credit cycle, banks generally will not issue credit cards to customers who are in short-term urgent need or whose income sources are unstable.