You can apply. There will definitely be no problem applying for a credit card based on your conditions, and the limit should be good. But the specific amount depends on the postal savings rating and approval standards.
The credit card limit is determined based on your comprehensive credit score. The higher the comprehensive credit score, the higher the credit card limit. The comprehensive credit score mainly depends on whether your job is stable, how your income is, and whether you have a bad credit record. Maintaining good credit card usage habits can also improve your overall credit score and thereby increase your credit card limit.
Residents in China and foreigners legally residing in China who are over 18 years old but under 60 years old, have full capacity for civil conduct, have good credit, and have legal and stable sources of income can go to local postal savings accounts. To apply at bank branches, residents who meet the above conditions must provide a copy of the applicant's ID card and a work certificate; non-local household applicants must provide a proof of residence.
Who is suitable to apply for Postal Savings Bank credit card
1. Government employees and civil servants. It must be a contract worker, the same below. The postal service only recognizes contract workers. If you are a labor worker, you don’t have to think about it. It will be good if you can be approved.
2. Enterprises and public institutions are easier to apply for. For enterprises, it is best to be a large state-owned enterprise, one of the top 500 companies in the world or one of the top 500 domestic companies. Of course it must be a contract worker.
3. Generally, the company must be a relatively well-known local company, and it must be a back-office position. Well-known companies such as department store salespeople do not need to apply, and their applications will not be approved. Of course leadership positions are possible.
4. It is basically difficult to apply for other applications, such as real estate developers, intermediaries, and car 4S stores. These types of applications are not approved (except for leadership positions, you are basically the CEO of the company and the quota is also very high. Low). If you are an individual business owner, you need to provide 6 consecutive months of transaction records at the Postal Savings Bank, a copy of your business license and a copy of the house rental. Even if you have all of these, the approved amount will be very, very low.