Only the bank account can't be used for credit cards. In addition, the requirements for credit card application are not high. For online credit card application, you don't need to provide the bank account, just fill in the application materials online and submit them. The application materials directly enter the credit card center of the bank, and the bank reviews them online and issues cards by express delivery.

For freelancers who don't have a fixed job, it is often necessary to provide more application materials, and it is not suitable to apply for credit cards through online card application. It is best for such people to provide bank flow to apply for credit cards.

Because bank running water is the record and proof of personal funds going in and out of the bank, it can reflect the personal financial situation of the cardholder from the side, so it is used by the bank as a reference to judge whether the credit card applicant has the repayment ability.

For applicants who want to apply for a card, but have no job, such as businessmen, salespeople, freelancers, etc., it is feasible to provide a bank account as proof of income if they can't provide proof of work, but only if an effective bank account is provided.