That’s called Lutong Card
The basic conditions for applying for a CCB credit card are: aged 18 to 70 years old and having full capacity for civil conduct; having a stable career and income, and being able to Pay principal and interest on time and have good credit.
Whether you can apply for a card depends not only on whether you have a car, but more importantly, whether you meet the conditions for applying for a card.
What is your specific situation, and what is the reason given by the bank for not accepting the application? Banks definitely welcome people to apply for a card, and they will definitely apply for it as long as they meet the requirements.