Do you have any credit cards from other banks before? Do you have any loan records on your credit report?

Generally, there are only two situations. One possibility is that because you are a pure white household and there is no loan record in the credit report, the bank needs your credit report to prove it, so you are allowed to apply for a card.

Another is that the bank where you apply for a mortgage has the task of opening a card. I hope you can apply for one.