1. Avoid the four major banks:

When white households apply for credit cards, it is best to start with small and medium-sized banks, which are eager to expand users. The requirements for user qualifications are relatively low. If you apply in the four major banks, you may be rejected because the qualifications of white households are not high enough.

2. Apply for a card in a bank that pays wages:

Pure white households apply for a credit card, and try to find a bank that pays wages to apply for a credit card, so that the bank can more easily recognize your repayment ability and work status.

3. Purchase wealth management or deposit to apply for a card:

Applicants can deposit a large amount of deposit in a bank in advance or purchase a wealth management product directly at their counter window. As long as you save more money or buy more wealth management products, you can become a high-quality customer of the bank, so you can apply for a credit card directly.