Compared with the joint-stock banks, it occupies a policy monopoly and advantage, so the fourth (fifth) state-owned banks have more money and higher requirements for applicants than the joint-stock banks. Therefore, under the same conditions, the amount granted by state-owned banks may be lower than that granted by joint-stock banks.

If there is no credit card before, it is recommended to apply for a credit card of a joint-stock bank first, and then apply for a state-owned bank after accumulating good credit.