It is very easy to apply if you provide proof of employment. Your job, academic qualifications and industry will be used to determine the size of your credit limit. If you have real estate in Dongguan, you can also apply for a credit card with a higher limit.

Everyone’s first card has no credit record. You can go to the bank counter to apply with your ID card and income certificate issued by your employer, or you can apply through the bank’s official website and other channels.

Credit records come from personal credit information systems.

Personal credit information system, also known as consumer credit information system, mainly provides personal credit analysis products for consumer credit institutions.

Specifically, personal credit information is divided into three components.

The first part is basic personal information, the second part is credit information, and the third part is non-bank information.

Basic personal information includes personal identity, spouse’s identity, residence information, occupation information, etc.;

Credit information includes summary of bank credit credit information, summary of credit card and quasi-credit card information, Summary of loan information, summary of loan guarantee information for others, etc.;

Non-bank information refers to personal insurance and payment information, housing provident fund information, road maintenance fees, telecommunications user payments, etc.

According to the actual situation, the customer's personal statement will also be included in the system information. This information does potentially affect individuals' lending behavior at banks.