Varies based on individual circumstances.

For applicants with good credit qualifications, it is relatively easy to apply for this credit card, because Alipay will evaluate the applicant's credit qualifications, including consumption behavior in Alipay, credit history, etc. If the applicant's credit qualifications meet the requirements, the application process will be smoother.

For applicants with weak credit qualifications, it will be more difficult to apply for the Ant Treasure Credit Card, because such applicants need to undergo more detailed credit evaluations at banks or other credit evaluation agencies.