You generally cannot apply if you don’t have a job. Applying for a credit card has nothing to do with your graduation certificate. You can apply for a credit card if you have proof of income and property.

Bank credit card application conditions:

①Age requirements: Domestic residents must be between 18 and 65 years old, and foreigners must be between 25 and 65 years old;

②Job requirements: Have a stable workplace, income and fixed residence;

③Credit requirements: No bad credit record. Applicants for supplementary cards must be the parents, spouse or children of the primary cardholder and be between the ages of 16-65.

Bank credit card application materials:

① Identity proof information:

Copy of resident ID card or military officer ID card; if you are a compatriot from Hong Kong and Macao, you need to provide a copy of the Mainland China Passport and a copy of the residence permit for more than one year; if you are a foreigner, provide a copy of your passport and residence permit for more than one year.

②Proof of work and income:

Salary proof or business card or badge with photo.

Proof materials that can prove that you have good financial strength: a copy of the real estate certificate, a copy of the car driving license; a copy of the bank loan account (with good credit, no more than 60 days overdue) or deposit certificate.