Users only need to have a stable income when applying for a credit card (debit card). As for whether there is a provident fund, the bank will not inquire. Of course, having a provident fund means that users have a stable job, which can help users pass the credit card (debit card) approval, but it does not play a decisive role. Therefore, users can apply for a credit card (debit card) without provident fund.

As for users who submit credit card (debit card) applications, they should pay attention to maintaining a good credit record during the audit period. Once the credit is damaged, it may directly lead to the failure of credit card (debit card) approval.