No its not difficult as long as you have a proof of adresse: electricity bill, rent contract, and a minimum deposit, id card - passport, and visa for your stay.
For the credit card you need to have proof of regular income.
You must take into account that bank service rates in Reunion are high. higher than france. Sometimes its better to open an account on online banking services like ING and such for cheaper and faster banking services.
the best bank in terms of rates in order of preference - la poste, caisse d'épargne, banque de la reunion , bfc, crédit agricole...
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