20,000 is too little and the limit is not high. The Workers' and Peasants' China Construction Company is relatively high-profile and won't issue proof of income without proof of income. Other banks can. If you have deposited 200,000 in the bank for more than 3 months, you will be asked to apply for a credit card. If you are unable to provide proof of income, you must have a fixed monthly salary payment record, and the bank can print out the continuous payment statements for more than 6 months.