1. Apply online. 2. Those who apply for general card level. Don't apply for the gold card level. 3. As long as you have a regular job. You can apply if you have worked for a company for more than 6 consecutive months. 4. Or you have Alipay, and your Alipay Zhima score is more than 600 points. You can also apply for Everbright and Minsheng in Alipay's credit life.