Don't hear that you can't do it. Personally, I think you can try it yourself. If you haven't used a credit card before, you can try to apply for a loan. If you have social security and provident fund and your family has income, it may be more difficult to apply for the four major banks. You can try to apply for other local banks instead of state-owned banks. As for credit cards, there is still hope. If you apply for a credit card, it is also helpful to use it frequently. It is not too expensive to collect credit information, but you can get a loan. Personally, applying for these is determined by comprehensive factors, so you can try one or two applications first. If you don't pass, you can wait until the social security accumulation fund is three months after you have a job, but it is best not to use online loans here. It is helpful to apply for loans and credit cards as little as possible! !