If the unemployed want to apply for a credit card, it is no problem to have certain assets. Although you can't provide salary income, you can provide relevant asset certificates to the bank, such as certificates of deposit. As long as you can prove to the bank that you have sufficient repayment ability, maintain good personal credit and meet the requirements, then you can successfully apply for a card.
Credit card is a credit certificate issued by commercial banks or credit card companies to qualified consumers.
Two, the form of credit card is a card with the name of the issuer, the validity period, the number, the name of the cardholder and other contents printed on the front. [1] Consumers with credit cards can go to special commercial service departments for shopping or spending, and then the bank will settle accounts with merchants and cardholders, and cardholders can overdraw within the prescribed limit.
Third, the earliest credit card appeared at the end of 19. In the 1980s, the British clothing industry developed the so-called credit card, followed by the tourism and business sectors. However, at that time, the card could only be used for short-term commercial credit, and the money had to be paid back as needed. There was no long-term default and no credit line. In 1950s, McNamara, a Manhattan credit expert, dined in a restaurant. Because he didn't bring enough money, he had to ask his wife to send money. This made him feel embarrassed, so he organized DinersClub (English: Diners Club). Members can bring their dining charge cards to 27 designated restaurants for consumption without paying cash. This is the earliest credit card. Franklin National Bank was the first bank to issue credit cards, and other American banks followed suit.
It is said that one day, Frank McNamara, an American businessman, entertained guests in a restaurant in new york. After eating, he found that he forgot to bring his wallet. He was deeply embarrassed and had to ask his wife to bring cash to the restaurant to settle the bill. So McNamara came up with the idea of creating a credit card company. 1 In the spring of 950, McNamara and his friend Schneider jointly invested110,000 US dollars to establish DinersClub in new york, the predecessor of Diners Credit Card Company. Diners' Club provides members with a card that can prove their identity and ability to pay. With this card, members can keep accounts and spend money. This kind of credit card that does not need to be handled by a bank is still a commercial credit card.
Fourthly, another way of saying credit card is that credit card is a non-cash transaction payment method and a simple credit service. Credit cards are generally plastic cards with a length of 85.60 mm, a width of 53.98 mm and a thickness of 65,438+0 mm, which are issued to cardholders by banks or credit card companies according to users' credit and financial resources. Cardholders do not need to pay cash when using credit cards, and make repayment on the checkout date. Except for some credit cards combined with financial cards, credit cards are different from debit cards and ATM cards, and credit cards will not directly deduct money from users' accounts. 20 12 February, the bank confirmed that the credit card is safer without password, and if it is stolen, it will share the responsibility with the bank. Enjoy an interest-free period of 25-56 days (or 20-50 days). Credit card consumption enjoys an interest-free period, and the bill amount is paid off before the due repayment date, without any cost. There is no interest-free repayment period for cash withdrawal, and five ten thousandths of daily interest will be charged from the date of cash withdrawal, and the bank will also charge a certain percentage of cash withdrawal fee.
How can I apply for a credit card without a job?
Without a job, it is difficult to get a bank card. Need to submit personal ID card, deposit certificate, social security certificate, fixed assets certificate, credit report and other information.
1, valid identity card. This is the information that you must submit whether you have a job or not. The age of the applicant is required to be 18~65, which is the same as the normal credit card application.
2. Proof of deposit. Without a work certificate, you can provide your deposit certificate to the bank, because when you apply, the bank will judge your repayment ability according to your deposit information. With more deposits, the success rate of handling credit cards will be much higher.
3. Social security certificate. Without a work certificate, it is also possible to provide a social security certificate to the bank, because now not only the unit can help buy social security, but also individuals can buy it, so the social security certificate can also be used as a proof of handling a credit card.
4. Proof of fixed assets. When handling a credit card, you can provide the bank with proof such as real estate license. The bank thinks that with the guarantee, even if you have no job, your credit card application will be approved. If you can still provide water, electricity, gas and other bank running water for nearly half a year, the success rate of applying for a credit card will be greatly improved.
5. Credit report, no bad 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 repayment ability through your own property certificate.
How can I apply for a credit card without a job?
You can apply for a credit card without a job:
1. Submit the deposit certificate to the credit card application platform. Whether the applicant has a job or not, it is a necessary skill to provide proof of deposit. If you don't have a job and just provide your ID card, it is estimated that you can only apply for a credit card with a very low amount. Therefore, before applying for a credit card, you can open an account in the issuing bank and deposit a certain amount of cash, which can prove your repayment ability to the bank and effectively improve the success rate of card issuance!
2. Provide proof of permanent residence to the bank. Among the skills of applying for a credit card without a job, having a residence certificate is also particularly important. Even if there is no fixed work unit, as long as the applicant can prove that he has a stable property right certificate, he can often get the favor of the bank. If it is renting a house, then the applicant can provide a lease agreement for public rental housing, which can also effectively improve the success rate of applying for a permit.
Pay attention to provide proof of credit. In the absence of a job, you can provide a credit certificate to the issuing bank. As long as you can prove that your credit is good, success in handling the card is not a problem. However, if you want to accumulate your own credit, then everyone should pay attention to accumulate their own credit, maintain rational consumption, repay in full and on time, and stay away from credit stains.
Pay attention to giving priority to online application. Unemployed applicants had better choose the online application channel to apply for a card, because many bank outlets need to provide proof of work stamped with the official seal of the company before they can apply for a card. If they can't provide it, they can't successfully apply for a card. The online application channel is to fill in the application materials directly online, without providing additional information, but it is necessary to ensure that the required information is perfect. If you don't have a job, you can borrow money from relatives and friends, fill in their company information, and cooperate with the bank to call back.
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How can I apply for a credit card without a job?
Precautions for credit card without job application:
1. Provide your own real estate license.
Banks should also consider risks when issuing cards. What it pursues is nothing more than a word "stability". Most importantly, we need to prove our solvency, 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 certificate, real estate certificate, running water certificate, etc. Before submitting a credit card application, a friend can open an account with the issuing bank and deposit a certain amount of cash. Even if you try to borrow some money first, it will be useful to take it out later; If it is a homeowner, as long as you apply to the bank with a real estate license, you can generally pass the audit easily; If the liquidity on hand is not enough to guarantee the assets in the card, you can also lengthen the "front line", as long as you have bank running water.
2. Provide credit certificate to the bank
The credit situation also reflects our repayment ability and willingness from a certain angle. If you can't provide a valid work certificate, you need to provide a credit certificate to the credit card bank you apply for, which 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. Credit information is in good condition, and no bad credit record can improve our card issuance rate.
3. During banking activities.
In the process of bank business promotion, even if we don't have a job, the salesman will beautify our applicant information and help us improve the card issuance rate. This requires us to pay attention to some local activities of major banks at any time and strive to apply during the activities.
4. Give priority to online application.
It is never recommended to apply for a large credit card online, but if we don't have a job and want to apply for a card, it's best to apply online. Because 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 borrow money from relatives and friends, fill in their company information and fixed telephone number, and cooperate with us to complete the bank call back.
5. Apply for a bank that is easy to apply for a card.
After testing, banks that are relatively easy to approve cards are: Communications, CITIC, Shanghai Pudong Development Bank, China Everbright Bank (it is recommended to add official WeChat to mobile phones, and approve them in seconds), China Guangfa Bank, industry and commerce (filling in real estate companies), construction, investment promotion, industrial development, peace, and people's livelihood.
6. Apply for a supplementary family credit card.
As the saying goes, "borrow chickens to lay eggs." We can borrow the master card of our parents, wives or husbands and ask them to apply for a supplementary card for us. The secondary card and the main card share the quota, and the main card repays, which is also very convenient to use.
7. Deal with cards with cards
Use the existing credit card to handle the card. For example, Ping An, China Everbright, Bank of Communications and CITIC. Can use a card to do the card. This can not only quickly release the card, but also refer to the existing credit card limit. The amount of the new card is basically above the amount of the existing credit card.
What if there is no work credit card?
Can I apply for a credit card if I don't have a job, that is, an unemployed person? What information do I need to apply for a credit card?
The two major application materials for credit cards are identification and income proof. If the applicant is unemployed, it means that an important application material is missing. In fact, you can still apply for a credit card in this case.
There is no proof required to apply for a credit card for a job:
1, valid identification
Like the conventional treatment, the unemployed also need to provide their valid identity certificate, that 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 your credit card application, you can open an account with the issuing bank and deposit a certain amount of cash. The higher the amount, the better. When you apply for a credit card, the bank will have a certain repayment ability when it sees that you have a deposit, which will also improve your success rate.
3. Proof of residence
You can provide the bank with any of the water, electricity, coal or fixed-line telephone bills in the past three months. Applicants with personal property can also provide property ownership certificates. After submission, the possibility of approval will be greater and the amount will be higher. If you rent a house, you can provide a lease agreement for public rental housing.
4. Social security certificate
If you don't have proof of income, you can choose to provide personal income tax payment certificate or personal social security fund account payment details to the bank, or you can use it as proof of credit card.
If you only have an ID card, you can get a credit card with a lower credit limit, but you can gradually increase the credit limit by swiping the card to reach a certain accumulated amount. If you can provide your own large time deposit certificate with our bank, you can directly obtain a credit card with a higher credit limit (the credit limit is determined according to the deposit amount).
Some netizens suggested that you can apply for the pig card of ICBC, as long as you have an ID card. However, the amount of application will be very low, perhaps tens of yuan or even zero. However, if you use the card for three months and spend money in 500 yuan, the limit can be raised to 500, then if you use the card for three months and spend money in 500 yuan, the limit can be raised to 1000 yuan, and then the cap will be 2,000 yuan.
Generally speaking, it is difficult for formal institutions to obtain credit cards without jobs, and the amount is not high.
This is the end of the introduction on how to apply for a credit card and how to fill it out if you are unemployed. I wonder if you found the information you need from it?