If you apply for a CCB credit card, you don’t need a mortgage, and you don’t have to pay a mortgage fee. You can apply if you are over 18 years old, have a stable job income, and have good credit. Currently, there are two main ways: one is to apply online and the other is to apply at a branch.

The online application procedure is relatively simple and does not require additional proof of financial resources. The bank will focus on the nature of the landlord's unit, social security, provident fund, personal tax, personal credit, etc., which can be checked online. There is China Construction Bank. Online banking shield (like a USB flash drive) can be approved within five working days at the earliest, without the need for an interview. If you don’t have an online banking shield, it usually takes about 10 days for approval, and then you can bring your ID card to the branch for an interview. If these are not paid much or are not paid at all, this method is not very recommended.

When applying at the branch, you need to bring your ID card, proof of work income (work permit from the unit, employment certificate, tax bills for the past three months, social insurance policies, provident fund bills, etc.). Not all of these are required. Please submit the ones you choose. ), if you can attach some proof of financial resources (for example, real estate, car or deposit), it will be very helpful for applying for the card and approving the limit. If the information is complete, the application will usually be approved within 20 working days (about a month).