Answer: BOC's income certificate can be applied with a business card or work card, unless it doesn't want to do it for you. In fact, many banks can apply for credit cards for online consumption. You can also bring your business card or work permit to other banks to apply, such as Bank of Communications, Shanghai Pudong Development Bank and Minsheng Xingye. It's easier for Bank of Communications. If you are under 30 years old and have a college degree or above, you can apply for a youth card directly at the Bank of Communications, just bring your ID card, OK.