If you are a physical store merchant applying for a credit card, it is recommended to choose a commercial bank, such as China Merchants Bank, CITIC Bank, China Guangfa Bank, etc. State-owned banks are not very friendly to individual merchants, and the card application approval rate is not high.

When applying for a card for the first time, it is best to apply for a regular card, with a limit between 1,000 and 10,000. Although the limit is not high, you can increase the limit in the future.

The supporting documents required to apply for a credit card are as follows:

1. Proof of identity: usually an ID card, aged between 18 and 65 years old, with good credit;

< p> 2. A copy of your business license and income statement, which are the most important evidence to prove your ability to repay stably;

3. Proof of financial resources: This can be a salary record issued by a bank, or an income tax withholding certificate , or documents proving the market value of houses, cars, deposits and investments (such as real estate certificates/car driving licenses/copies of bank time deposit certificates), etc.;

To apply for a credit card, you can choose to apply online or at a bank branch , you can also contact the sales staff to come to apply for the card. I wish you success in applying for the card as soon as possible.

The one-million-dollar credit limit advertised in the cheat sheet is too far away, but you can use it to increase your credit limit by 50%

As long as you have stable repayment ability and are between 18 and 65 years old . If you have a good credit report, you can apply for a credit card, but for individual merchants, it is best to choose a commercial bank, such as Guangfa Bank, CITIC Bank, China Everbright Bank, etc., which are easier to pass the review.