Credit card audit is not directly related to whether you have a credit card or not. Of course, if you have a credit card, you will be considered qualified when other banks review it. But this is not absolute. Some banks have strict examination conditions. As long as they don't meet their standards, they won't pass, whether you apply for a credit card or not. Generally speaking, as long as you have a fixed job, a stable income and a normal social security payment, you can handle it.