Mainly for customers with mortgages, but they can apply without mortgages and credit cards, but the qualification requirements for customers are relatively high, and the application rate of pure credit cards is relatively low.
At present, pure credit cards can apply for a maximum amount of100,000, but generally the next payment is 20,000 to 30,000. Pure credit card application must use the credit card for one year, and the overdraft limit shall not exceed 80%. And the credit card must have a repayment record of at least two years. Moreover, there must be no overdue credit reporting recently, and the credit reporting liabilities are within a reasonable range.