1. No bad credit records: the applicant's credit report should have no bad credit records such as overdue repayment, arrears and breach of contract. This is because credit card salesmen need to deal with customers' loans and credit affairs, and companies will want to hire employees with good credit records.

2. Stable credit record: the applicant's credit record should be relatively stable, and there is no frequent credit limit adjustment, loan application or credit card application. This can show that the applicant is more cautious about the management and use of credit.