How can homeless people get a credit card? Don’t use a credit card from your workplace

Banks review credit cards mainly to see whether the applicant has the financial strength to repay the loan. For unemployed people, because they do not have a stable job and income, credit card applications are easily rejected immediately. So, how do homeless people get a credit card? Is there any credit card that does not require work?

1. How do unemployed homeless people apply for a credit card?

For unemployed homeless people, the biggest obstacle to applying for a credit card is not having a job. However, if you can prove to the bank that you do have the financial strength, There is no problem with your credit, and there is still a chance to get a credit card.

1. Provide proof of financial resources

Banks are more likely to recognize real estate certificates, vehicle driving licenses, deposit receipts, financial management certificates or social security deposits by oneself. Even if you are temporarily unemployed, you have fixed assets as protection. Even if you have no money to repay the loan, the bank can also request an auction of your assets.

2. Apply with a card

This is a quick way to apply for a card. As long as you hold a high-limit credit card from another bank and use it normally, you can prove it. You actually have the ability to repay. Choose a bank that supports card application, such as Bank of China, Bank of Communications, Shanghai Pudong Development Bank, Ping An, etc.

2. Introduction to credit cards for unemployed homeless people

If you don’t have a job, it’s easy for your card to be rejected. So, in order to avoid bank rejection, it’s best to choose some credit card products that are easy to pass, such as New credit cards, low-level credit cards.

How to get a credit card if you don’t have a job?

I don’t have a job, that is, I am unemployed. Can I apply for a credit card? What information is required for credit card application?

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

Proofs that need to be submitted when applying for a credit card if you are unemployed:

1. Valid identity certificate

Same as the regular application method, unemployed people also need to provide their personal identity card when applying for a credit card. Valid proof of identity, that is, a copy of your ID card. You must be between 18-60 years old and have full capacity for civil conduct.

2. Proof of deposit

Before you submit a credit card application, you can open an account at the card-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 sees that you have a deposit and has a certain repayment ability, which can also increase your success rate.

3. Proof of residence

You can provide the bank with any of the water, electricity, coal or landline phone bills in the past 3 months. Applicants with personal real estate can also provide the property ownership certificate. After submission, the likelihood of being approved will be greater and the amount will be higher. If you are renting, a public rental housing tenancy agreement is available.

4. Social Security Certificate

If there is no proof of income, you can choose to provide the personal income tax 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 very low credit limit, but you can gradually increase the credit limit by swiping the card to reach a certain cumulative amount. If you can provide your own large time deposit certificate with our bank, you can directly apply for a credit card with a higher credit limit (the credit limit is determined based on the deposit amount).

Some netizens suggested that you can apply for ICBC’s pig card. All you need is your ID card. However, the applied amount will be very low, it may be tens of yuan or even 0. However, if you use the card for 3 months and spend 500 yuan, the limit can be raised to 500. After that, if you use the card for 3 months and spend another 500 yuan, the limit can be raised to 1,000 yuan, and then it is capped at 2,000 yuan.

Generally speaking, it is difficult to apply for a credit card without a job in a formal institution, and the limit is not high.

How to apply for a credit card without a job

If you don’t have a job, you can provide the following proof methods to apply for a credit card:

① Valid identity certificate, the same as the regular application method. Unemployed people also need to provide valid proof of identity when applying for a credit card, which is a copy of their ID card. You must be between 18-60 years old and have full capacity for civil conduct.

② Proof of deposit. Before you submit a credit card application, you can open an account at the card-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 sees that you have a deposit and has a certain repayment ability, which can also increase your success rate.

③ For proof of residence, you can provide the bank with any of the water, electricity, coal or landline phone bills in the past 3 months. Applicants with personal real estate can also provide the property ownership certificate. After submission, the likelihood of being approved will be greater and the amount will be higher. If you are renting, a public rental housing tenancy agreement is available.

④ Social security certificate. If there is no income certificate, you can choose to provide the 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.

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1. Credit card

A credit card is a credit certificate issued by a commercial bank or credit card company to consumers with qualified credit. The form of a credit card is a card with the name of the card-issuing bank, validity period, number, cardholder name, etc. printed on the front. Consumers holding credit cards can go to a special commercial service department to shop or consume, and then the bank will work with the merchant and the cardholder to The cardholder can make an overdraft within the prescribed limit.

2. Is the credit card repaid once a month?

Yes, the credit card is repaid once a month, or twice a month (the amount used in the month of early repayment). Cardholders can make repayments based on the bill reminder text message sent by the credit card. The card-issuing bank will summarize and settle all transactions and expenses that occurred in the cardholder's credit card account every month, and calculate the interest and calculate the cardholder's current period. The total amount owed and the minimum repayment amount are sent, and the corresponding bill is sent. The cardholder can repay through the counter of the card issuer, ATM, online banking, automatic transfer, telephone banking, etc. When the cardholder repays the payment, the credit card limit is instantly After recovery, the money will generally be processed and recorded by the system on the same day. The cardholder's card consumption during the billing cycle must be returned in full before the current repayment date or according to the minimum repayment amount.

3. Can credit card money be withdrawn?

Yes, credit card money can be withdrawn. Credit card withdrawals are divided into two situations, one is credit card overdraft withdrawal, and the other is withdrawal of cash from credit card overdraft. The second type is to withdraw cash from overpayments on credit cards. Overpayments are the remainder after deducting the outstanding balance on the repayment date because we have paid too much.

How to apply for a credit card if you don’t have a job?

It is very difficult to apply for a bank card without a job. You need to submit personal ID card, deposit certificate, social security certificate, fixed asset certificate, credit report and other information.

1. Valid resident ID card. This is information that must be submitted whether you have a job or not, and like regular credit card applications, the applicant is required to be between 18 and 65 years old.

2. Certificate of deposit. If you don’t have proof of employment, you can provide your deposit certificate to the bank, because when you apply, the bank will judge your repayment ability based on your deposit information. If you have more deposits, then you can apply for a credit card The success rate will be much higher.

3. Social security certificate. If you don’t have proof of employment, it’s okay to provide relevant proof of social security to the bank, because now not only units can help purchase social security, but individuals can also purchase it, so the social security certificate can also be used as proof of credit card application.

4. Certificate of fixed assets. When applying for a credit card, you can provide proof such as a real estate certificate to the bank. The bank believes that after having a guarantee, it will approve your credit card application even if you have no job. If you can still provide water, electricity and gas for the past six months If the bank transfers money, the success rate of applying for a credit card will be greatly improved.

5. Credit report, no bad credit records.

Generally speaking, it is very difficult to apply for a credit card without a job. You can only convince the bank that the applicant has the ability to repay through proof of your property.

How to apply for a credit card if you are unemployed?

If an unemployed person wants to apply for a credit card, it is no problem if he has certain assets. Although he cannot provide salary income, he can provide proof of relevant assets. Provided to banks, such as certificates of deposit, etc. As long as you can prove to the bank that you have sufficient repayment ability, maintain good personal credit, and meet the regulatory requirements, you can successfully apply for the card.

1. CreditCard is a credit certificate issued by a commercial bank or credit card company to consumers with qualified credit.

2. The form of a credit card is a card with the name of the issuing bank, validity period, number, cardholder name, etc. printed on the front. [1] Consumers who hold credit cards can go to the special commercial service department After shopping or consumption, the bank will settle the payment with the merchant and cardholder. Cardholder can overdraft within the prescribed limit.

3. The earliest credit card appeared at the end of the 19th century. In the 1880s, the British clothing industry developed so-called credit cards, and the tourism and business sectors followed suit. However, the cards at that time could only be used for short-term commercial credit, and the money still had to be paid as and when used. Long-term arrears were not allowed, and there was no credit line. In the 1950s, McNamara, a credit expert in Manhattan, was dining in a restaurant. Since he did not bring enough money, he had to ask his wife to send money over. This made him feel very embarrassed, so he organized the "Diners Club" (English: Diners Club). Members can bring a dining charge card to 27 designated restaurants to record their consumption without having to pay cash. This is the earliest credit card. Franklin National Bank was the first bank to issue a credit card, and other U.S. banks later followed.

It is said that one day, American businessman Frank McNamara was entertaining guests for a meal in a New York hotel. After the meal, he found that he had forgotten his wallet with him. He was deeply embarrassed and had to call his wife to bring it with him. Pay cash at the hotel. So McNamara came up with the idea of ??starting a credit card company. In the spring of 1950, McNamara and his friend Schneider invested US$10,000 to establish the "Diners Club" in New York, the predecessor of Diners Club. Diners Club provides members with a card that can prove their identity and payment ability. Members can use the card to record their purchases. This kind of credit card that does not require bank processing is still a commercial credit card.

4. Credit card Another way of saying this is that a credit card is a non-cash payment method and is a simple credit service. A credit card is generally a plastic card with a length of 85.60 mm, a width of 53.98 mm, and a thickness of 1 mm. It is issued to the cardholder by the bank or credit card company based on the user's creditworthiness and financial resources. The cardholder does not need to pay cash when using the credit card to make purchases. Make further repayments. Except for some credit cards combined with debit cards, general credit cards are different from debit cards and ATM cards in that credit cards will not directly deduct funds from the user's account. In February 2012, the bank confirmed that credit cards without passwords are more secure, and they share the responsibility for any fraud. Enjoy an interest-free period of 25-56 days (or 20-50 days). Card consumption enjoys an interest-free period, and there will be no fees if you pay off the bill before the due date. There is no interest-free repayment period for cash withdrawals. A daily interest rate of 0.05% will be charged from the day of withdrawal, and the bank will also charge a certain percentage of cash withdrawal fees.

Can I apply for a credit card if I don’t have a job?

It can be done. Whether a credit card can be approved depends entirely on the customer's repayment ability. As long as you prove to the bank that you have the repayment qualifications, generally whether you have a job will not be affected. Of course, for working customers, credit card approval will be faster and more convenient because their income is stable and the bank has normal bill flow. Of course, the following situations can be handled even if you don’t have a job.

First, there is a large deposit in the card

For example, I inherited tens of millions of dollars from my family, so I quit my job and stopped working to eat, drink and have fun every day. I thought about getting a credit card to spend more money. convenient. This situation is completely possible, and in order to get you to deposit money in their bank, the bank leaders will even take the initiative to give you a large credit card with a limit of hundreds of thousands, and will also provide you with a personal financial consultant and a holiday gift package. There are even other special services including dog walking. Let you truly feel the distinguished VIP customer treatment. In this case, as long as there is a large deposit in the card, even an unemployed homeless person can easily apply for a credit card.

Second, those who have a source of income

Everyone’s income does not necessarily come from work, such as freelancers, who do not have fixed jobs but have normal bank balances, this kind of application Credit cards are also accepted. For example, writers have royalty income, and they may not get paid every month, but once they publish a book, their income may be tens or even millions, so there is no problem with their repayment ability. There are also some well-known Internet celebrities who have not signed a contract with a company, but advertisers will come to them to ask for endorsements, and the endorsement fees here are not small. Therefore, it is easy for them to apply for a credit card. In the final analysis, it is enough to provide the normal bank statement when applying for a card.

Third, there are fixed assets

Such as houses, cars, machinery and equipment, etc. These are counted as your fixed assets and can be sold at critical moments. It can also be counted as collateral for loans. Providing proof of holding these assets when applying for a card will also help your application. Because even if you use your credit card to pay it off in the end, the bank can auction these items to pay back the money. So don’t doubt your ability to repay, and don’t underestimate the bank’s collection ability. Whenever you have some assets but are overdue, the bank will be the first to get the money.

The bank's credit review department has a comprehensive evaluation system. They will conduct background checks on customers' family background, work history, social relationships, and past records of using financial services. As long as you prove that you are incapable or have excessive repayment pressure, your credit card will not be approved. On the contrary, even if you don't have a job, you may become their high-quality customer.

That’s it for the introduction to applying for a credit card without a job.