Hello, you don't need any guarantee or mortgage to apply for a credit card Credit card means that the bank judges your repayment ability according to your income and financial situation, and finally decides whether to send you credit cards or not and how many credit cards to send. General applications require proof of income and proof of work of the unit. In addition, the bank will call the company to verify your situation. If you have a unit, you can prepare these materials and go to the bank outlets to handle them. If there is no unit, you can consult me specifically.