I suggest you get a credit report from the People's Bank of China first to see if there is any credit problem. If there is no problem, apply for some credit cards. Don't apply online. May be unreliable phishing websites, doing the same as credit card websites, collecting personal information. Go to the bank for a loan, find someone who has a reliable relationship and trusts you, a secured loan, and a small amount. Then try to mortgage your house and car. It would be much more convenient if you had a credit line under your name.