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When applying for a credit card, you are required to have a regular job. What counts as a regular job?

A bank’s credit card credit review guidance Reprinted: /post/60.html

1. Category A customers: a special group of people who focus on promotion

1. Reason for positioning: stable job income and extremely low risk.

2. Industry categories include:

1) Government agencies, party and government agencies, and social groups.

People's governments at all levels, people's congresses at all levels; courts at all levels, procuratorates, customs, government functional departments (including the National Taxation Bureau, Local Taxation Bureau, Science and Technology Bureau, Archives Bureau, Cultural Bureau, Education Bureau, Health Bureau, Economic Development Bureau, Trade Development Bureau, Planning Bureau, Justice Bureau, Transportation Bureau, Land and Resources Bureau, Surveying and Mapping Bureau, Technical Supervision Bureau, Personnel Bureau, Labor Bureau, Social Security Bureau, Environmental Protection Bureau, Municipal Government, Agriculture Bureau, Water Conservancy Bureau, Meteorological Bureau , Geological Bureau, Family Planning Office, Information Office, Public Security Bureau, Transportation Bureau, etc.); Party committees, CPPCC, democratic parties; Women's Federation, Disabled Persons' Federation, Federation of Industry and Commerce, trade unions, *** Youth League, Red Cross, religious groups, arbitration committees , professional associations, etc., foreign institutions and embassies in China; parks, museums, memorial halls, etc.

2) Public utilities.

Power supply company, water supply company, gas company, postal service, etc.

3) Public universities and scientific research institutions.

(Public) colleges and universities, secondary vocational schools, middle schools, primary schools; scientific research institutions at or above the municipal level (inclusive).

4) Public hospitals and other medical and health institutions.

Level 2 and above hospitals, health and epidemic prevention stations, maternal and child health clinics, drug testing institutes, etc.

5) National financial institutions and major commercial banks.

National financial institutions: the People's Bank of China and its branches, China Banking Regulatory Commission, China Securities Regulatory Commission, China Insurance Regulatory Commission; China UnionPay, local financial electronic settlement centers; state-owned commercial banks, foreign banks, joint-stock banks, city commercial banks and policy banks ; Stocks, futures exchanges, securities companies, securities investment fund companies, etc.

1. Category A customers do not include applicants for the following high-risk positions:

1) Informal employees, temporary workers, and trainees.

2) Ordinary workers in school-run enterprises.

3) Field staff who receive commission income from securities companies.

4) Drivers (referring to drivers of government agencies or enterprises).

5) Support staff: canteen workers, cleaners, security guards, etc.

2. Category B customers: other applicants from key promotion groups

1. Reasons for positioning: lower risk, easy to access, easy to accept, high spending power and willingness.

2. Industry categories include:

1) Telecommunications industry;

The four major operators are China Telecom, China Mobile, China Unicom and China Netcom.

2) Large information technology companies;

Large/listed/well-known information technology companies. Including large-scale well-known computer and communication product R&D manufacturers, such as: IBM, Dell, Lenovo, Huawei, Founder, Great Wall Computer, Motorola, Nokia, Ericsson, etc.; large-scale well-known software developers, such as: Microsoft, Kingsoft, Ark, etc.; large-scale well-known Internet sites, such as Yahoo, Sohu, Sina, etc.

3) Air transportation industry;

Airlines and airport services.

4) Architectural design and planning units;

Architectural design institutes, land surveying, real estate evaluation, etc.

5) Large-scale raw material processing industry;

Petroleum and petrochemical (including gas stations), excluding private sector.

6) Mass media industry;

TV stations, radio stations, party and government agencies, newspapers, publishing houses, etc.

7) Professional firms;

Lawyers, accountants, asset appraisals, audits, corporate consultants, patent firms, large and well-known market research companies or public relations companies

< p>8) Well-known companies in various industries

Fortune 500, top 100 in the industry, well-known local brand companies, high-quality listed companies, etc.

3. Category B customers do not include applicants for the following high-risk positions:

1) Informal employees, temporary workers, and trainees.

2) Drivers (referring to drivers of various companies).

3) Support staff: canteen workers, cleaners, security guards, etc.

4) General workers in large/well-known enterprises.

1. Category C customers: Applicants from other acceptable industries (excluding high-risk positions)

1. Reason for positioning: Medium risk, easy to access, strong willingness to apply and consume.

2. Industry categories include:

1) Early childhood education and private education

Nursery schools and kindergartens; private and private institutions of higher learning, middle and primary schools, etc.; non-formal education such as languages, computers, musical instruments, etc. training institutions.

2) Healthcare industry

Nursing homes, nursing homes, mental hospitals, community rehabilitation centers, community outpatient clinics, private clinics, dental clinics, liver disease prevention and treatment centers, tuberculosis prevention and treatment centers, veterinary clinics wait.

3) Insurance and other financial institutions

Chinese-funded and foreign-funded life insurance and property insurance companies; other financial institutions such as: postal savings banks, rural credit cooperatives, trust investment companies, trust investments Consulting companies, financial leasing companies, credit guarantee companies, enterprise group finance companies, etc.

4) Medium-sized information technology enterprises

Medium-sized computer and communication product development and production, software development, and Internet business.

5) Transportation and logistics industry

Tunnels/toll roads/piers/ports (including passenger and freight transport); trains, subways and other large-scale transportation; bus companies, minibuses, Small transportation companies such as taxi companies; large state-owned or foreign-owned logistics companies/large infrastructure units.

6) Construction industry

Real estate developers, contractors, construction engineering companies (including construction companies for railways, highways, mines, docks, tunnels, public facilities, buildings, etc.), etc.

7) Manufacturing industry

Machinery and raw material processing: large machines, automobiles, ships, steel, metallurgy, military products, wood processing, papermaking, printing, environmental protection, chemical industry; biochemical industry Manufacturing: Emerging pharmaceutical industry, drugs, tobacco, etc.; Food processing and manufacturing: packaged food, cans, paper-packed drinks, etc.; Electronic product manufacturing: household appliances; Textile manufacturing: clothing, clothing products and household items; Maintenance: computers, home appliances, Maintenance of automobiles and ships; other manufacturing: instrumentation, handicrafts, furniture, cultural, educational and sporting goods, jewelry and gold ornaments manufacturing, etc.

8) Special services (market research/advertising)

Small market research companies, public relations companies, exhibition preparation companies; large and well-known advertising work/art design companies, etc.

9) Mass media industry

The production and publication of newspapers, magazines and publishing houses, books, newspapers, magazines, etc. that are responsible for their own profits and losses; the production and publication of television, movies, and records.

10) Large-scale commercial trade

Listed/large-scale/multi-business trading enterprises (including large-scale domestic trade and import and export trading companies); shipping/cargo transshipment/warehousing, logistics Companies (including shipping agencies and freight forwarding companies).

11) Large-scale retail service industry

Large-scale department stores, shopping malls, supermarket chains, duty-free shops, etc.

12) High-end hotels, catering and tourism industry

Three-star (inclusive) and above hotels/guesthouses; large foreign-funded chain restaurants/fast food restaurants KFC, McDonald's, Starbucks Coffee, Hagen Das, etc.; comprehensive, domestic and international travel agencies (such as China National Travel Service, China Travel Service, Youth Travel Service), tourism distribution centers, etc.

13) Specialized industry groups

Academic societies, accounting societies, lawyers associations, medical societies, etc.

14) Professional sports and related clubs

Professional sports teams and sports clubs (such as football, basketball, table tennis, golf clubs, etc.).

15) Other non-restricted promotion industries

3. Category B customers do not include applicants for the following high-risk positions:

1) Informal employees, temporary workers, and trainees.

2) Training school general employees, private tutors, etc.

3) Insurance agents in the insurance industry.

4) Drivers of various enterprises, drivers of small and medium-sized bus companies, taxi drivers, etc.

5) Construction supervisors and construction decoration workers.

6) Manufacturing factory workers (front-line production workers), electrical appliance/machinery/car maintenance workers, machinery operators, etc.

7) Salespersons, salesmen, and cashiers in the retail industry.

8) Chefs in the catering industry, restaurant bartenders, bartenders, DJs, and lifeguards.

9) Logistics staff: canteen staff, cleaning workers, security guards, etc.

2. Category D customers: Applicants for extremely high-risk industries and positions (applications are not accepted in principle)

1. Reasons for positioning: high risk, poor stability, weak spending power

2. High-risk industry categories include:

1) Unlicensed medical institutions

Unlicensed clinics, veterinarians, nurseries, etc.

2) Small information technology companies

Small computer/technology companies, etc. Such as: small software development companies, small telecommunications agencies, etc.

3) Construction peripheral industries

Renovation and decoration projects, piping installations, interior design, fire protection installations, building materials companies (such as cement, ceramic tiles, paints, waterproofing material companies, etc.), engineering Supervision companies, etc.; property management, security management, etc.

4) Special service industry (leasing/intermediary/consulting/agency)

Small business services: housekeeping companies, express companies, typing and copying agencies, translation companies, etc.; leasing: cars/ Equipment/computer rental, book and video rental store; intermediary consultation: small property management, security management, small real estate agency, small human resources agency, small headhunting company, marriage agency, information consulting company (agents for business registration, study abroad, immigration Consultants, etc.); small and medium-sized advertising: small and medium-sized advertising companies/image planning companies.

5) Small commercial trade

Small domestic trade and import and export trade. (For example: trading enterprises with a registered capital of less than 1 million).

6) Small retail service industry

Chain convenience stores, laundries, photography and photo labs, etc.; general small wholesale and retail stores/grocery stores/clothing stores;

TV shopping, mail order companies, direct selling companies.

7) Mid- to low-end hotels and catering industry

Hotel industry with two stars (inclusive) or below, general restaurants, snack bars, fast food restaurants, etc.

8) Personal services

Beauty salons, barber shops, fitness centers, sauna and massage centers.

9) Entertainment and leisure

Nightclub karaoke, dance hall, cinema, game console center, foot bath and health care, small arena.

10) Performing Arts Industry

Non-famous song and dance troupes, drama troupes, stage performances, magic troupes, acrobatic troupes, small orchestras, performance companies, theaters, etc.

11) Freelancing

Personal studio, MLM, nanny, hourly worker, street vendor, porter, casual worker, private tutoring, etc.

12) Non-professional labor services

Cleaning companies, moving companies, car washes. Agriculture, forestry, animal husbandry, fishery, and extractive industries

3. High-risk positions include:

1) Restricted promotion of high-level employees or management in the industry

2) Construction-related industries: construction supervisors, decoration workers, carpenters, blacksmiths, apprentices, tailors< /p>

3) Small-scale special services: real estate sales staff, security guards

4) Small-scale retail industry: salespersons, salesmen, cashiers

5) Catering and entertainment: Chefs, restaurant bartenders, bartenders, DJs, lifeguards

6) Masseurs, hairstylists, beauticians

7) Unknown models, actors, singers , art workers, writers

8) Warehouse workers, custodians, security guards

9) Cleaners, couriers, postmen, delivery workers, porters, nannies, Part-time workers, mobile vendors

10) Agriculture, forestry, animal husbandry, fishery farmers, workers in the extractive industry, sailors

11) Housewives, part-time workers, temporary workers, unemployed, jobless, retired