Under normal circumstances, the credit cards issued by the four major state-owned banks (workers, peasants and China Construction) are relatively strict and difficult to pass, while those issued by other commercial banks are relatively easy to pass. In addition, credit cards issued by rural commercial banks and local banks (such as Suzhou Bank and Guangzhou Bank) are also easy to pass.

However, no matter which bank issues credit cards, applicants must meet the basic conditions for issuing credit cards: they must be at least 18 years old and have good personal credit, otherwise they cannot apply for credit cards no matter how good their economic conditions are.

Under normal circumstances, the credit cards issued by the four major state-owned banks (workers, peasants and China Construction) are relatively strict and difficult to pass, while those issued by other commercial banks are relatively easy to pass. In addition, credit cards issued by rural commercial banks and local banks (such as Suzhou Bank and Guangzhou Bank) are also easy to pass.

However, no matter which bank issues credit cards, applicants must meet the basic conditions for issuing credit cards: they must be at least 18 years old and have good personal credit, otherwise they cannot apply for credit cards no matter how good their economic conditions are.