Because I can see from what you said that you should be working in a big factory or a state-owned enterprise. This kind of application is easy to approve. You have two paths.

As soon as you go to the branch, next time, put your ID card, work permit and income certificate issued by the company (just stamp the company's official seal or financial and personnel seal, and most people say they will open a credit card for you). You'd better check your social security payment record online, print it out and post it at the back. That's it. Whether the education level is high or not has little influence on credit granting, mainly because of your financial certificate and the stability of your company's work.

The second is to find the local business personnel who handle the card, so that you not only have a higher chance of approving the card, but also have a higher quota, because there is a form filled out by the business personnel at the back of the credit card application form, which includes whether to personally verify the ID card and the pro-nuclear work unit. In our jargon, it is called pro-verification and pro-visit. The person who handles the card will check these two items, which is very helpful for you to approve the card. So are some materials. You don't have to type your ID card, work permit and social security. The business person who handles the card will call you.

Well, I suggest you adopt the second method, which is more convenient and more likely. Just ask someone you know for a business card of the card holder of China Merchants Bank and make a phone call.