To apply for a credit card, you basically only need a copy of your ID card. It would be better if you can provide your own income certificate, property certificate, business card and other information, and you can increase your credit limit.

Generally, it takes more than one month from application to getting the card (because it needs to be mailed).

At present, the credit cards issued by China Merchants Bank, China Construction Bank and GDB are relatively large. The advantage of CCB is that you need to provide a password to swipe your card; The advantage of Guangfa is that there are many gifts, and it can triple the points within 48 hours and provide credit card loss compensation (maximum 1 10,000 yuan). China Merchants Bank offers installment payment in many places, but it will charge a handling fee.

Personally, I recommend using Guangfa Credit Card.

Of course, we should also consider our local situation and choose a bank with convenient repayment. Generally, the services of small and medium-sized banks are better than those of the four major state-owned banks.