Small credit cards are easy to handle. The four major state-owned banks are more troublesome, such as investment promotion, China Everbright, people's livelihood and transportation, but the repayment of outlets is not so troublesome.

Real estate license is not necessary, of course, it is better, and it is easy to open a high amount. Ask the bank directly for the specific procedures, and they will tell you what you need and what you don't need.