I applied for a YP card from the Bank of Communications this month. I submitted proof of work income, bank deposits and college degree certificates to the Bank of Communications to apply for the card. The reason was that the company's phone number was not registered with China Telecom and the application was not approved. There are also banks where it’s hard to get credit cards now. Even if you provide the information required by the bank, they will not return the information if they refuse to apply. Most of them just deceive customers' information.