What if I don't have a job?

I don't have a job, that is, an unemployed person. Can I apply for a credit card? What information do you need for a credit card application?

The two major application materials for a credit card are proof of identity and proof of income. If the applicant is unemployed, it means that one of the important application materials is missing. Actually, in this case, you can still apply for a credit card.

Proof to be submitted when applying for a credit card without a job:

1. Valid identity certificate

The same as the conventional processing method. Unemployed people also need to provide their valid identity certificate, that is, a copy of their ID card. You must be between 18 and 6 years old and have full capacity for civil conduct.

2. Proof of deposit

Before you submit your credit card application, you can open an account with the issuing bank and deposit a certain amount of cash. Of course, the higher the amount, the better. When you apply for a credit card, the bank will have a certain repayment ability when it sees that you have a deposit, which will also improve your success rate.

3. Certificate of residence

You can provide the bank with any of the water, electricity, coal or fixed telephone bills in the past three months. Applicants with personal property can also provide housing property certificates. After submission, the possibility of being approved will be greater and the amount will be higher. If you are renting a house, you can provide a lease agreement for public rental housing.

4. Social security certificate

If there is no income certificate, you can choose to provide personal income tax payment certificate or personal social security fund account payment details to the bank, which can also be used as proof of credit card.

If you only have an ID card, you can get a credit card with a low credit limit, but you can gradually increase the credit limit by swiping the card to reach a certain accumulated amount. If you can provide your own large time deposit certificate in our bank, you can directly get a credit card with a higher credit limit (the credit limit is determined according to the deposit amount).

Some netizens suggested that you can apply for the pig card of ICBC, as long as you have an ID card. However, the amount of application will be very low, which may be tens of yuan or even zero. However, if you use the card for 3 months and spend money in 5 yuan, the limit can be raised to 5, then use the card for 3 months and spend money in 5 yuan, and the limit can be raised to 1 yuan, and then it will be capped at 2, yuan.

generally speaking, it is very difficult for a formal institution to get a credit card without a job, and the amount of credit card is not high.

How can I apply for a credit card if I don't have a job?

The basic conditions for applying for a credit card are:

First, I must be at least 18 years old;

the second is to have a stable source of income. If the above conditions are not met, there is no hope of getting off the card. So who will be considered by banks as having no stable source of income? The first kind is small businessmen, such as the owner of decoration company and the owner of online shop of shopping network. The second kind is salesmen without basic salary, such as life insurance consultants, real estate agents, advertising agencies and direct sellers.

The third category is professionals, such as photographers, patent agents, technical consultants, management consultants, plumbers, electricians, hairdressers, artists and so on. The above freelancers basically earn a lot of money, but because they have no stable source of income, it is also difficult to get a card. It's also a very grievance to think that you can't apply for a credit card even if you have money. Isn't there any way? This is going to be said separately. There are two situations: online card application and offline card application.

How to apply for a credit card without a job:

1. If you have a family, you can apply for a credit card without a job. As long as you apply to the bank with a real estate license, you can get a high share if the applicant has a house, so you can generally pass the examination and easily approve it.

2. If you don't have a house or a job, you need to provide a credit certificate to the credit card bank you are applying for. As long as you can prove that you have a good credit rating, it is not impossible for you to apply for approval. To accumulate one's own credit, one needs to pay attention to accumulating one's own credit in peacetime, maintain rational consumption, and pay back in full and on time to stay away from the credit stain.

3. If you don't have a house or a job, you can't prove that you have good credit. The last way is to deposit a certain amount of money in the relevant bank that applies for a credit card, and it will be approved quickly. If the deposit amount is large enough, you can get a higher credit card.

4. Work certificate of "packaging". It is best for relatives and friends to start a company. If not, find a company that is willing to help to issue a work certificate (you can find a omnipotent treasure), fill in the company's name and fixed telephone number in the application materials, and you will have a chance. But also be careful, there are many online scammers, and be careful to apply for a credit card.

5. Apply for a supplementary card of your family's credit card. If your family has a credit card and can apply for a credit card, you can ask them to help you apply for a supplementary card. The supplementary card and the main card enjoy the limit, and the repayment is made by the main card, which is quite convenient to use.

How to apply for a credit card for people without a job

You can apply for a credit card without a job:

1. Submit a deposit certificate to the credit card application platform. No matter whether the applicant has a job or not, providing proof of deposit is a skill that must be mastered. If you don't have a job and just provide your ID card, it is estimated that you can only apply for a credit card with a very low amount. Therefore, before you apply for a credit card, you can open an account with the issuing bank and deposit a certain amount of cash, which can prove your repayment ability to the bank and effectively improve the success rate of card issuance!

2. Provide the bank with proof of fixed residence. Having a residence certificate is also particularly important in the skills of applying for a credit card without a job. Even if there is no fixed work unit, as long as the applicant can prove that he has a stable property right certificate, he can often get the favor of the bank. If it is a rented house, then the applicant can provide a lease agreement for public rental housing, which can also effectively improve the success rate of applying for a card.

pay attention to provide credit certificate. In the absence of a job, you can provide credit certificates to the issuing bank. As long as you can prove that you have good credit, it is not a problem to apply for a card successfully. However, if you want to accumulate your own credit, then everyone should pay attention to accumulating their own credit, maintain rational consumption, repay in full and on time, and stay away from credit stains.

pay attention to giving priority to online application. Unemployed applicants had better choose the online application channel to apply for a card, because many bank outlets need to provide work certificates stamped with the company's official seal to apply for a card. If they can't provide it, they can't apply for a card successfully. The online application channel is to fill in the application materials directly online, without providing additional information, but it is necessary to ensure that the information required to be filled in is perfect. If you don't have a job, then you can find friends and relatives to borrow money, fill in their company information, and cooperate with the bank to call back.

This concludes the introduction of how to apply for a credit card without a job and how to apply for a credit card without a job. Did you find the information you need?