I'm glad to answer your question. Do you have any credit cards in use now? If you have a credit card that has been used for more than half a year and has a good credit record, you can consider using the card to handle the card. Or if you pay social security, you can also apply for a credit card, and you can also apply for a card with academic qualifications. The specific situation of each bank is different. The audit of Guangfa Bank and China Merchants Bank will not be very demanding. As long as the quota and rights are not required, the unit certificate should not be used. Generally speaking, as long as the ID card and income are flowing, it will be fine. I hope I can help you!