What year did you use it improperly before? It seems that the bad record will be eliminated in three years. You can ask the credit card business manager of the local Bank of Communications, and I'll give you an opinion. You'd better apply for a credit card of Bank of Communications, provided that you issue an income certificate and affix an official seal, and then give it to the credit card business manager to fill in the information. Without a copy of the car and real estate in your name, it is easy to approve it. The amount is relatively low. The work income certificate I applied for in April stated that my annual income was 80,000 RMB.