According to the description of your question, you should want to apply for a credit card more conveniently and quickly, which has little to do with your geographical location. Of course, if you apply for a regional bank, such as Hangzhou Bank, your permanent residence in Hangzhou can still give you extra points.

If you want to meet your needs, I suggest that you choose non-state-owned banks in the region to apply, that is, except China Bank, Industrial and Commercial Bank of China, Agricultural Bank of China and China Construction Bank, non-state-owned banks are relatively lenient to credit card applicants and have a faster review speed.