You can check personal credit records with your ID card at the local people's bank or the personal loan department of a commercial bank. If the personal credit record has been restored to a good state, you can re-apply for a credit card.

18 years old+ID card+full capacity for civil conduct+no bad credit record+work certificate+income certificate with company financial seal+financial certificate+two contacts.

Joint-stock banks have higher credit card quotas and lower conditions. If they have a credit card, they can only pay by installments. Quasi-credit cards cannot be used for installment payment.

Generally, it takes 20-40 days to get the card and submit the application materials to the credit card account manager-bank phone \ field credit investigation-credit card center for examination and approval (SMS reply)-card number selection-business card printing-registered mail mailing (about 7- 15 days)+secret letter activation or credit card account manager SMS \ telephone notification-holding ID card+application form to collect the activated card at the counter.