If you are an account holder of a credit card, you can apply for CITIC White Card. This card is mainly a joint credit card product jointly launched by JD.COM and China CITIC Bank. CITIC White Card Co-branded cards include CITIC White Card Classic Edition, CITIC White Card Warm Heart Edition, CITIC White Card (Visa) and CITIC White Card II. These credit cards are suitable for people with low credit rating who apply for cards for the first time. The application conditions are relatively simple and the exam is easy to pass.