Because credit cards have the function of overdraft, that is to say, they can make purchases by credit card without money, so not everyone can apply for credit cards, and banks only issue credit cards to people they think are honest. Compare and see if you meet the requirements for issuing credit cards by banks: 1. You are between 18 and 65 years old; 2. Have a stable occupation and income; 3. Have good credit and the ability to repay interest on time; 4. Natural persons with full capacity for civil conduct (robots, vegetarians, minors and a certain degree of mental illness are not allowed). If you haven't met the requirements for applying for an ordinary credit card, you can apply for a supplementary card through your parents or spouse. To apply for a supplementary card, you must meet the following conditions: 1. A natural person with full capacity for civil conduct or limited capacity for civil conduct; 2. Applicants for supplementary cards who are over 13 years of age; and 3. Applicants who are under 16 years of age must provide a copy of their household registration book when applying. In addition: some cards can not be applied by everyone, and they have some special requirements for cardholders. For example, the magic credit card of CITIC Bank can only be applied by a woman to teach you two tips for successfully applying for a credit card. In the years before the credit card was just promoted, banks expanded regardless of cost efficiency in order to seize the limited credit card market. Although it promoted the great development of the whole credit card business, it also caused the good and bad credit card holders to be mixed, resulting in many "sleep card" and "Lao Lai cards", which buried hidden dangers for the bank's bad debts. Now, with the strengthening of bank's risk awareness and risk control, the approval of credit cards has become more and more strict, especially for those who apply for credit cards for the first time or high-value cards, many people have received the reply of bank's refusal, so how can you ensure that your application can be approved smoothly? First of all, we should fully prepare all kinds of asset certificates. Generally speaking, if you already have one or more credit cards and have a good repayment record, you generally don't need to provide proof of income or assets, just copy the credit cards you already have and send them with the application form (even if the credit card you have is not the card of the bank you are applying for, because all banks can check your credit status through the personal credit information system of the central bank, and good consumer credit and repayment credit are the most important for banks). If you are applying for a credit card for the first time, because you have no consumer credit record, the bank mainly depends on your income and assets, and decides whether to grant you a card and the size of the credit line. Generally speaking, if you apply for a credit card for the first time, the amount will not be too high unless you can provide sufficient proof of assets, such as proof of income, proof of house ownership, proof of mortgage purchase, proof of automobile ownership, bank deposit certificate or securities certificate. Of course, in addition to the asset certificate, other certificates that can prove your personal ability will also help you get a high credit card, such as academic certificate, technical grade certificate and other qualification certificates. Secondly, fill in the application form carefully. Generally speaking, the following aspects on the application form will affect the bank's credit evaluation score (the higher the credit score, the higher the probability of obtaining credit card approval and the higher the amount): 1. Whether there is a fixed telephone number in this city (having a fixed telephone number in this city means that your place of residence is stable, which will increase the bank's credit evaluation score for you); 2. Whether or not to get married (the score of married is higher than that of unmarried); 3. Whether it is a local hukou (the score of local hukou is higher than that of foreign hukou); 4. Whether there is a house (owning a house is higher than not having a house, and living by oneself is higher than living with parents); 5. Education level (the higher the education level, the higher the score); 6. The nature of the work unit (the more stable and well-known the work unit, the higher the score. For example, institutions, large state-owned enterprises and the world's top 5 enterprises all scored higher, while unknown private enterprises and small foreign enterprises scored lower); 7. Job description (The higher the job, the higher the score. For example, the scores of civil servants and company managers are higher than those of ordinary employees

Any bank has a credit card. If you meet these conditions, it is good to choose a bank.