In Harbin, as long as there are bank outlets, you can apply for credit cards. The conditions for applying for a credit card are: at least 18 years old, having a stable job and income, and no bad credit record. To apply for a credit card, you need to provide the following materials:

1. identification: generally, it is an ID card (if it is a new ID card, a copy of the front and back is required). Soldiers need to provide a copy of their ID cards.

2. Proof of financial resources: it can be a payroll record issued by a bank, an income tax withholding certificate, a market value certificate of a house, a car, a deposit and an investment (such as a copy of the real estate license/car driving license/bank time deposit certificate) and other materials that can prove your economic level. Documents for reference also include the list of social security personal accounts in the last six months, water, electricity and gas bills, credit card bills of other banks, etc.

3. Work certificate: the original work certificate issued by the employer (indicating the specific company name, position, department and income, which must be stamped with the company's official seal or personnel seal), and the copy of the work permit \ card verified and marked by the sponsor can also be used as the work certificate.