If there are many overdue and arrears, the application for a credit card will definitely be rejected. There is no other way. Only after paying off the arrears can you apply for it two years later. If the landlord is in a hurry to go abroad, he can ask his family to apply for a credit card, and then give you a supplementary card. Generally speaking, the things that need to be prepared for handling a credit card are:

1. Work certificate with official seal of the company.

Two, when the salary card is transferred, you can also use the personal income tax withholding certificate as proof material.

Third, the certificate of deposit: the certificate of deposit is a good proof material, which can greatly improve the success rate of card processing.

Fourth, financial management certificate: With the development of bank financial management, many bank credit card applications can now use financial management certificates as application materials. Before applying for a credit card, you can use your spare money to go to the bank to buy a wealth management, which can not only add a weighty application material, but also gain income through wealth management, killing two birds with one stone.

5. If there is a real estate license or a house purchase contract, it must be submitted as application materials.

The above is what you need to prepare for applying for a credit card. It is recommended that the landlord use a supplementary card at home. I hope my answer can help the landlord!