If it is your first time to apply for a credit card, when you apply for it for the first time, if you need a limit of 20,000, the review is strict, and the social security number is necessary. Also, it is best to have proof of income, or proof of real estate and car (it must be in your own name).

You can also apply for a smaller amount first. If your credit card has a large amount and good repayment credit, you can ask for an increase in the amount in about half a year. At this time, things are much simpler.

A credit card with a slightly higher amount requires that the applicant's fixed income can cover the overdraft limit. In other words, if you have a fixed salary of 5,000 yuan a month, it is basically no problem to apply for a credit card with a limit of 20,000 yuan. The work unit issues a certificate to prove the annual income and the high income.