You can apply for a passport without China nationality but with China nationality. To apply for a credit card in China, you not only need to provide identification documents, but also need to provide proof of long-term work in China or proof of income, proof of residence and other materials.

legal ground

Article 7 of the Notice of China Banking Regulatory Commission on Further Regulating Credit Card Business.

Banking financial institutions should conduct due diligence on the credit level and repayment ability of credit card applicants, who should have a fixed job, a stable source of income or provide reliable repayment guarantee. If the applicant does not meet the above conditions, but it is really necessary to issue a card, the banking financial institution shall clarify the scope of application of the card issuance and establish the corresponding card issuance management mechanism. The applicant must implement the second repayment source, and the second repayment source should have the corresponding repayment ability. Before issuing a card, a banking financial institution must confirm that the second repayment source has agreed in writing to bear the corresponding repayment responsibility, otherwise it may not issue a card.