At present, all kinds of state-owned holding banks and joint-stock commercial banks, whether national or regional, are qualified users who actively apply for credit cards. They are also speeding up the approval of their bank card applications in order to better serve the applicants.

Generally speaking, China Construction Bank, Agricultural Bank, China Bank, Industrial and Commercial Bank of China and Bank of Communications have higher requirements for applying for credit cards, and the initial credit card amount is small. When joint-stock commercial banks apply for credit card approval, they are faster than state-controlled banks, and regional banks are faster than national banks, and the quota will be higher.