1. "Moving bricks" of fixed deposits

"Moving bricks" is the deposit. Applicants can deposit a time deposit in the bank where they want to apply for a credit card (of course, any bank's time deposit certificate can be used as proof of card application) to prove that they have sufficient financial resources.

If it is a deposit, it needs to be a time deposit with a term of more than half a year and an amount of no less than 50,000. Of course, if it exceeds 100,000, it will be more convincing.

2. Create bank flow

If you don’t have that much liquidity on hand, it can be used as a guarantee for the assets in your card, and it can also lengthen the “front line” and create a beautiful of bank flow.

The best way for bank transfers is to deposit funds from institutional accounts to personal accounts on a fixed day every month, and the amount is preferably fixed. Of course, the larger the amount, the better. Also, don’t make the following mistakes when running water!

(1) Withdrawing deposits on the same day, regardless of the amount, is invalid and can easily be seen through by the bank and will be in vain;

(2) Integer deposits and withdrawals, the card Always empty. This situation can be seen as making money for the sake of making money, which is easily recognized by the bank;

(4) The account that makes money is not fixed. Doing this for this account today and doing it for that account tomorrow is not enough to win the trust of the bank.

3. Buy financial products.

So, first point, if you don’t want to save time, you can also consider buying bank financial products. This not only proves one's spending power and repayment ability, but also creates income for the bank and pleases the bank.

If there is no liquidity, your money has been deposited in other banks, or you have purchased financial products from other banks, or you have purchased funds, stocks and other financial products; then, you can also prove the above assets Provided to the card issuing bank.

4. Provide other financial proof.

If you don’t want to “move bricks” and don’t want to spend time “making money”, you can choose to provide other strong financial proof. For example, self-employed individuals can provide their business-related certificates, including copies of business licenses, tax payment certificates, etc. In addition, if you can provide proof of fixed assets such as real estate and automobile production, it will be extra points.

Freelancers, Taobao store owners, etc. If there is no permanent job or business certificate, you can provide asset certificates such as house certificates and vehicle certificates.

Reminder! The above method is not applicable to online credit card application because online application cannot provide more supplementary application materials. It is best for applicants to go to the bank counter in person and submit these supporting documents.

5. Apply for an additional card.

The functions of the secondary card are almost the same as those of the main card. You also enjoy the main card overdraft limit, interest-free period and certain additional rights and interests. The overdraft amount of the supplementary card will be included in the main card bill and will be repaid by the main cardholder. Supplementary cards also have some disadvantages, such as some rights will be "castrated", some bank preferential activities cannot be participated in, etc. But the basic functionality is fine.

6. Choose a bank with low threshold.

Freelancers should choose banks and card types with relatively low thresholds, such as Ping An Bank and China Merchants Bank. CMB is very suitable for people who often spend money in physical stores, such as people who like karaoke or often spend money at snack bars. It is very suitable to apply for a merchant credit card.

Different people try to apply for credit cards based on their income levels, spending power, and spending habits. This will not only allow you to apply for a credit card that better meets your needs, but it will also be easy to apply for. Related Q&A: How to apply for a credit card without a job

1. Make a deposit to apply for a card. If you want to apply for a credit card, you can deposit a certain amount of funds in the bank where you want to apply for the card, you can apply for a time deposit, that is, put the money in the bank card, and you can also purchase the bank's financial products, as long as the bank can see the application. As long as the person has relatively good financial resources.

2. Provide proof of running water. Credit card applicants can provide proof of transaction history to the card-issuing bank. If the transaction history is beautiful enough, it will also help to successfully apply for a credit card.

3. Provide asset certificate. If the person applying for the card does not have so many liquid assets, they can provide some proof of fixed assets, such as real estate, vehicles, etc., which will also be helpful for applying for the card. Related Q&A: How should people without a regular job apply for a credit card?

There is no fixed job, but as long as you have income and cash flow in the bank, it will be easier to handle.

Because if you have a current account in the bank, it will alleviate the bank's doubts about your lack of a fixed job and your ability to repay. Of course, it is best for you to ensure that you have a relatively stable account in the bank for at least six months in a row. Significant amounts of funds were recorded. If you have the ability to save money in the bank and buy financial products, it will be easier to apply for a card.

If your irregular income is relatively low and it is difficult to ensure regular cash flow in the bank, this may be more difficult. But this doesn’t mean it’s impossible. You can also choose to apply online. When filling in the information, you can optimize it appropriately and don’t go too far. After all, the bank cannot judge the authenticity. However, you must remember the information you filled in and how much income you filled in during the phone call back from the bank. Don’t wait until the bank rejects the card during the phone call back, otherwise you will miss the mark. If the bank you are applying to online requires an interview, such as China Merchants Bank and China Everbright Bank, remember not to reveal any flaws.

In addition, in your case, it is best not to apply for the four major state-owned banks, as there is basically no hope of getting a card. It is better to choose a commercial bank and its currently popular card types. If you have a car, you can choose a car owner co-branded card, which is more promising.

In short, not having a fixed job will make the bank doubt your ability to repay. As long as you can dispel the bank's doubts, you can apply for the card. If the limit of the card you applied for is low, be sure not to cancel the card. Take good care of the card. When the limit is increased, it will be easier to apply for a card in the future.