I understand that to obtain a credit card, one typically needs to have a savings account as the foundation. Some cards may have a higher threshold, requiring purchase of insurance or depositing a certain amount of money into the savings account. In some cases, business managers at certain bank branches, such as those in Guangzhou and Shanghai, may be able to handle this process. I plan to apply for a credit card that allows for foreign payment, preferably with a high credit limit. However, I have noticed that bank policies have changed recently. I was wondering if it's possible to obtain a credit card with a lower deposit amount.