Generally speaking, you have to wait until the real estate certificate is issued before you can apply, and you must provide proof of your employment and financial resources. Only a house purchase contract is not enough; of course, if you have a mortgage loan and have already taken out the loan and started repaying it, , you can go to the lending bank to apply for a credit card, and you can generally apply for the card.

However, applying online does not provide a home purchase contract. You can only apply for it through a credit card business manager or at a bank branch.

Required conditions for applying for a bank credit card:

1. A copy of the identity document of the applicant (primary and supplementary card). If you are an overseas person, please provide your passport (personal information page and visa validity page), or a Mainland Travel Permit for Hong Kong and Macao residents, or a Home Return Permit for Hong Kong and Macao compatriots, or a copy of the Mainland Travel Permit for Taiwan residents;

2. Work certification documents, such as: stamped with the official seal of the unit A copy of the work permit or the original work certificate issued by the unit;

3. Documents proving financial resources, such as: the original income certificate issued by the unit, or the original bank deposit certificate, or a bank salary record showing the applicant's name Copy, or copy of income tax withholding voucher, or copy of self-owned real estate certificate, etc.;