How should I apply for a credit card if I am not at work?

You can apply for a credit card even if you don’t have a job:

1. Submit your deposit certificate to the credit card application platform. Regardless of whether the applicant is employed or not, providing proof of deposit is a must-master card application skill. If you don’t have a job and only provide your ID card, you may only be able to apply for a credit card with a very low limit. Therefore, before applying for a credit card, you can open an account at the card-issuing bank and deposit a certain amount of cash. This can prove your repayment ability to the bank, which can effectively increase the success rate of applying for the card!

2. Provide the bank with proof of fixed residence. Having proof of residence is also particularly important when applying for a credit card without a job. Even if there is no fixed employer, as long as the applicant can prove that he has a stable real estate title certificate, he can often be favored by banks. If it is a rented house, the applicant can provide a public rental housing rental agreement, which can also effectively increase the success rate of applying for a card.

Please provide proof of credit. In the absence of a job, you can provide credit certificates to the card issuer. As long as you can prove that you have good credit, it is not a problem to successfully apply for a card. However, if you want to accumulate your own credit, you must pay attention to accumulating your own credit in normal times, maintain rational consumption, repay your loans in full and on time, and stay away from credit stains.

Please give priority to online application. Applicants without a job are best to choose online application channels to apply for a card, because many bank branches require proof of employment stamped with the company's official seal to apply for a card. If you cannot provide it, your card application will not be successful. When applying for a card through the online application channel, you need to fill in the application information directly online. There is no need to provide additional information, but please note that the information required to be filled in must be complete. If you don't have a job, you can ask your relatives and friends for help, fill in their company information, and cooperate with the bank to call back.

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 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 even if you do.

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

Things to note when applying for a credit card without a job:

1. Provide proof of your property

Banks have to consider risks when applying for a card, and what they are pursuing is nothing more than a The most important thing about the word "stability" is that we need to prove our ability to repay, and personal assets are the best proof.

The property certificates we can provide to the bank include but are not limited to our own deposit certificates, real estate certificates, flow certificates, etc. Before submitting a credit card application, friends can open an account at the card-issuing bank and deposit a certain amount of cash. Even if you find a way to borrow some funds first and then withdraw them later, it will be useful; if you are a homeowner, as long as you apply to the bank with the real estate certificate, you can usually easily pass the review; if the liquidity on hand is not enough to apply for a card, In terms of asset protection, you can also extend the "front line" as long as you have a bank statement.

2. Provide credit certificate to the bank

The credit report also reflects our repayment ability and willingness to repay from a certain perspective. If you cannot provide valid proof of employment, you need to provide proof of credit to the credit card bank you are applying for. This requires us to pay attention to accumulating our own credit, maintain rational consumption, repay in full and on time, and stay away from credit stains. A good credit report and no bad credit record can improve our card acceptance rate.

3. Apply during bank activities

In order to complete the task indicators during the bank's business promotion period, the salesperson will appropriately beautify our application even if we have no work. People's information helps us increase the card removal rate. This requires us to keep an eye on some local activities of major banks and strive to apply during the activities.

4. Give priority to online application

It is never recommended to apply online for large credit cards, but if we have no job and want to apply for a card, it is best to apply online. Because the online application requires less information, you can fill in the application information directly online without submitting additional information. However, the required card application information must be complete. If you don't have a job, you can ask relatives and friends for help, fill in their company information and landline phone number, and cooperate with us to complete a phone return visit to the bank.

5. Apply to banks that are easy to apply for cards

After testing, banks that are easier to approve cards: Communications, CITIC, Pudong Development Bank, Everbright (it is recommended to add the official WeChat on your mobile phone for instant approval), Guangfa, industry and commerce (fill in real estate company), construction, investment promotion, industrial development, safety, people's livelihood, and so on.

6. Apply for an additional card for a family member’s credit card

As the saying goes, “You borrow a chicken to lay an egg.” We can borrow the primary card of family members such as our parents, wife, or husband, and ask them to apply for a supplementary card for us. The supplementary card and the main card have an exclusive limit, and the main card will make the repayment, which is also more convenient to use.

7. Apply for a card with a card

Use an existing credit card to apply for a card with a card. For example, Ping An, Everbright, Bank of Communications, CITIC, etc. can all apply for cards. In this way, not only can the card be issued quickly, but the limit will also refer to the limit of the existing credit card. The limit of the new card is basically higher than the limit of the existing credit card.

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.

This is the end of the introduction on how to apply for a credit card if you are unemployed and how to apply for a credit card if you are homeless. I wonder if you have found the information you need?