If your company helps you pay social insurance or gold, you can apply for a credit card after three months. You can apply for a credit card directly at a bank outlet, bring your ID card and ask the company to issue a proof of income. It is better for small banks (joint-stock banks) that set up cards first, such as Xingye and Bank of Communications above, and then set up joint-name cards, which are more likely to be approved, although the quota will be less.