You can't apply for a credit card just based on your academic qualifications. It's just an auxiliary reference document for applying for a credit card, which helps to increase the quota. But the most important thing is the applicant's income certificate and identity certificate. I suggest you wait for your job to be stable, and then apply for a credit card after you become a regular employee, and the pass rate will be higher. The supporting documents required for handling credit cards are:

1, identification: generally, it is an ID card, and soldiers need to provide a copy of their military ID cards;

2. Work certificate: it can be the original work certificate issued by the employer (please indicate the specific company name, department, position and income, and affix the official seal or personnel seal of the company), or it can be a copy of the work permit verified and marked by the sponsor;

3. Proof of financial resources: it can be a payroll record issued by a bank, an income tax withholding certificate, or a market value certificate of a house, a car, a deposit or 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.

4. Other documents for reference include: personal account list of social insurance in the last six months, water, electricity and gas bills, credit card bills of other banks, etc.

To apply for a credit card, you need to choose a formal channel. Don't be deceived by false institutions. There is no need to pay any handling fee for handling credit cards. Please keep your eyes open and distinguish carefully.