1. If you have a job, you can show your income certificate/payroll/salary card, or leave your work unit phone number for the bank to check;

2. Have a real estate license or owner's certificate, show the original and submit a copy;

3. If social security is withheld in the four major banks, you can apply in the withholding bank;

4. ICBC has some ultra-low credit cards (minimum 0. 1 yuan), and the processing standards are very low. After a few months of use, the amount will be automatically raised and can be used as a card.

5. China Merchants Bank can issue credit cards after opening an account and depositing 10,000 yuan for three months.

If you meet the requirements, go to the bank outlet to ask for the application form, fill it out and return it to the outlet together with all the supporting materials.

If the above conditions are not met, no overdraft is required, only the payment function of the credit card channel is required. You can apply for an international debit card with a credit card channel and you can use it immediately without applying. All major banks have them.