Hello, I don’t have a car or a house, can I apply for a credit card?

You can apply for a credit card if you don’t have a car or a house. If you have a house and a car, the chances of getting a credit card are relatively higher, but it’s not absolute. If you have a house or a car and have an overdue loan, it’s the same. The card cannot be issued. The bank will decide whether to issue the card based on the comprehensive score. Having a fixed job, social security, provident fund or savings are all beneficial to the review score of credit card application. You can also apply for a credit card. If there is no problem with the overall score, you can apply for the card.

Can I get a credit card if I don’t have a house or a car?

You can apply for a credit card without a car.

1. Credit card application conditions:

1. Aged 18-60.

2. The individual has a stable job and source of income.

2. Materials required to apply for a credit card:

1. The individual is a resident of the country and needs to fill in a complete signed application form, proof of identity, residence permit and proof of income.

2. Foreigners and people from Hong Kong, Macao and Taiwan need a foreigner’s residence permit and an employment permit for foreigners or people from Hong Kong, Macao and Taiwan.

3. If it is a private owner, in addition to the above information, a copy of the business license should also provide the applicant's name, company name and business license start date.

Self-service mortgage loan, age 18-70, Guilin Bank online banking, mobile banking, good personal credit record.

Self-service, age 18-65, suitable for Guilin Bank online banking and mobile banking, with good personal credit record.

Extended information:

Notes on using credit cards:

1. In order to avoid being charged over-limit fees by banks, some cardholders turn to banks to apply for temporary credit cards. Increase the overdraft limit, usually by 10-20%, and the period is usually 1 month. After the specified time, the credit card will return to the original limit. Therefore, cardholders must clearly note the period of the temporary limit to avoid overdue credit card repayments.

2. Bank financial planners also remind that in view of the large number of card purchases during the Spring Festival, cardholders should pay special attention to the final payment date of their credit cards, which is the last day of the interest-free repayment period. Prior to this, repayments are interest-free. If overdue, all consumption payments will no longer enjoy the interest-free repayment treatment. The bank will calculate interest on a daily basis based on the consumption amount as the principal from the day the consumption occurs. The daily interest rate is 0.05%. Compound interest will be calculated monthly, and late payment fees will also be charged.

3. Credit card late payment fees refer to the situation where the cardholder’s actual repayment amount is lower than the minimum repayment amount on the due date of the credit card, and the cardholder must pay late payment fees for the unpaid portion of the minimum repayment amount. Generally, It is 5 of the unpaid portion of the minimum repayment amount. However, due to different policies of various banks, the minimum amount set is also different.

4. Therefore, cardholders who have large overdrafts during the Spring Festival holiday must keep in mind the final repayment date after receiving the bill, and strive to repay all their previous consumption before the due repayment date. All fees are paid off. If you really haven’t paid it yet, apply for installment repayment as early as possible or adopt the minimum repayment method to avoid being penalized by the bank.

5. People without financial income, such as students, should not apply for a credit card easily. Even if they do not use a credit card, they still have to bear the annual fee and other items. People who hold credit cards should give up using their credit cards and go through the card refund procedures in a timely manner. Otherwise, various credit card fees and subsequent interest, late payment fees, etc. will lead to personal economic losses and reduced credit, which will affect mortgages, car loans, etc.