By understanding bank credit card policies, providing other supporting materials, choosing guaranteed or co-branded credit cards, improving personal credit status, and paying attention to the application process and details, Sanwu people can increase the success rate of applying for credit cards.
1. Understand the bank’s credit card policies
Different banks have different requirements for credit card applicants. People with three no’s should first understand the credit card policies of each bank and choose those who are more familiar with the three no’s. Apply to a friendly bank.
2. Provide other supporting materials
Although people without a fixed job and income do not have a fixed job, they can provide other supporting materials to prove their credit status. For example, you can provide certificates of deposits, certificates of other assets, guarantees from relatives, etc. These materials can help increase the likelihood of a successful application.
3. Choose a guaranteed or co-branded credit card
Some banks provide guaranteed or co-branded credit card services, and those without financial support can consider choosing this type of credit card. A secured credit card requires a guarantor with good credit standing to guarantee the applicant, while a joint credit card requires applying together with other people with good credit standing.
4. Improve personal credit status
Three-no people can improve their personal credit status in a variety of ways, such as time deposits, timely repayment of other loans or credit card debts, etc. These behaviors can help improve your personal credit score and increase your chances of success in applying for a credit card.
5. Pay attention to the application process and details
When applying for a credit card, Sanwu personnel should read the application process carefully to ensure that accurate and complete personal information and supporting materials are provided. At the same time, attention should be paid to protecting personal privacy and information security to avoid unnecessary risks caused by leaking personal information.
To sum up:
Although it is difficult for people without a credit card to apply for a credit card, it is not impossible. By understanding the bank's credit card policy, providing other supporting materials, choosing a secured or co-branded credit card, improving personal credit status, and paying attention to the application process and details, Sanwu people can increase the success rate of applying for a credit card. However, it should be noted that a credit card is a credit consumption tool. When using it, you need to spend rationally and repay on time to avoid falling into debt difficulties.
Legal basis:
"Law of the People's Republic of China on Commercial Banks"
Article 35:
Commercial bank loans shall strictly examine the borrower's purpose of borrowing, repayment ability, repayment method, etc.
"Measures for the Administration of Bank Card Business of the People's Republic of China"
Article 28 stipulates:
Individuals apply for bank cards (stored value (excluding credit card), the card-issuing bank shall provide the card-issuing bank with a valid identity document specified by the public security department. After the card-issuing bank passes the review, a registered account will be opened for it; any unit that opens a basic deposit account at a financial institution in China shall provide the card-issuing bank with a certificate issued by the Chinese People's Government. Apply for a corporate card with an account opening license issued by the bank; the bank card and its account can only be used by the cardholder approved by the card-issuing bank, and may not be rented or lent.