You can apply for a credit card. The condition for applying for a credit card is that you meet the age conditions, then have a stable job and income, and provide relevant certificates. Although you don't have a fixed work unit, you said that your income is stable and you are eligible for bank application. Choosing a small commercial bank should still be successful.

If you have a real estate or car under your name, you can apply to the bank with your real estate license, copy of driving license and personal ID card. In this case, applying for a credit card is very simple and the pass rate is high.

If you don't have fixed assets in your name, but you have a large deposit in the bank, you can bring your ID card to the bank outlet to communicate with the lobby manager and ask for an application form. Under normal circumstances, as long as you have a large deposit in the bank, it is possible to apply for our credit card.

If you have neither fixed assets nor large deposits in your name, but have a stable source of income, you can obtain a bank flow certificate from a bank with transactions and apply to the bank. If your income source is relatively stable, the application success rate is still very high.

If you have no fixed assets, large deposits and stable bank income, it is very difficult to apply for a credit card directly. I suggest you consider calling your friend's company to apply and ask your friend's company to issue a proof of income.

As for the fixed telephone, if you fill it in at the bank counter, you can fill in the mobile phone directly, or you can fill in the telephone numbers of relatives and friends. Banks generally don't make personal calls.