First of all, clarify a concept: do you want to apply for a CCB "China Red" credit card or a "Charity" credit card. These two are jointly issued by China Construction Bank and the Red Cross Society of China.

"China Red" is divided into gold card and regular card. The annual fee is waived in the first year. If you use it three times in the first year (no limit on the amount each time), the annual fee in the second year will be waived. And so on.

The "Poké" credit card is free of annual fees for life, and no money will be deducted if you don't use it even once in a year. In addition, this card is a dual-currency card and can be used abroad. You don’t need any proof to apply for this card, just fill in the application form directly at the branch.