1. When applying for a credit card in Shenzhen, in addition to the four major state-owned banks (Bank of China, Industrial and Commercial Bank of China, Agricultural Bank of China, and China Construction Bank), Ping An Bank and China Merchants Bank are also good.

2. Credit card processing and overdraft limits are determined based on personal assets and personal income. The more personal assets and income, the higher the credit card overdraft limit.

3. Application conditions:

1), personal ID card

2), Shenzhen social security

3), personal income certificate , proof of work.

4) Individuals must also provide the following materials: a verified business license or tax registration certificate that proves they have been operating for more than two years; a business premises contract or a certificate of ownership (that is, a real estate certificate)