When applying for a credit card, users not only need to meet the basic card application conditions, but also have a stable job, and need to fill in their work unit, phone number, etc., so that they can successfully apply for a card. These are conditions that self-employed individuals cannot meet. However, this does not mean that they cannot successfully apply for the card. As long as they master certain skills, they can apply for the card as they wish even if they do not have a job. So, how do self-employed people get a credit card if they don’t have a job? There are mainly these channels!
When applying for a credit card as a self-employed person, you can choose online channels or offline channels to apply. Different application channels require different things to pay attention to.
1. Apply for a card online. Just apply through the official card application link of the credit card application platform, fill in the relevant information and submit it. However, there is no self-employed option in the application form. Therefore, when filling in the company information, users should pay attention to filling in the company address and company phone number. Self-employed individuals with a business license can just write the address and phone number of the business license; if there is no physical store, if you open a Taobao store, you can write your home address, as well as the landline at home or the landline of relatives and friends, and wait for the bank to call and say that you are doing business. of. However, applying for a card through the online application channel requires an interview. If you pass the preliminary review, you can bring your valid ID card and the relevant materials mentioned in the interview text message. You must answer the questions correctly.
2. Apply for the card offline. For example, it is relatively easy to apply for a card online. After all, many banks approve cards for self-employed individuals, who need to bring a business license, a valid ID card, tax returns for the past three months that can prove their income, bank statements, etc. If you want to improve the success rate of applying for a card, users can also submit proof of financial resources such as real estate, cars, deposits, and stocks. However, if a self-employed person cannot provide a business license, proof of income, etc., it is best to apply for a card online. The pass rate will be higher than applying for a card over the counter. The details are subject to the bank's review results.
Individual industrial and commercial households can apply for a credit card even if they don’t have a job. For details, please refer to the above content. Users also have a certain chance of successfully applying for a card. However, users should pay attention to applying for a card based on their needs and repayment ability to avoid over-borrowing, which may lead to overdue situations.