As we all know, it is relatively easy to apply for a credit card for people with stable income, such as civil servants, employees of public institutions and company employees. But for most other groups, their applications are often rejected by banks. So how can this group of people successfully apply for a credit card? There are many credit card application skills, and I believe everyone has seen a lot. For college students, self-employed and freelancers, let me talk about the methods of successfully applying for credit cards.

College students

There are many well-off college students who have reached the age of 18 and have strong spending power. Because they have no stable income, they are not suitable for applying for most credit cards. However, it is suggested that college students can apply for student-specific credit cards, such as Pudong Campus Youth Card and China Merchants Campus Student Card.

if you really want a credit card, you can use your immediate family credit card and ask the cardholder to open a secondary card account for you. There are few requirements for opening a secondary card account, which is very easy to achieve, and it is also a good way to have a credit card.

individual business owners

individual business owners often use credit cards for capital turnover, but because individual business owners don't have specific company information, online applications will be more difficult to pass the card application review.

But handling a joint credit card is the best way for individual business owners. Many supermarket chains have outlets for handling credit cards, and they can usually handle joint credit cards between the bank and the supermarket (for example, Bank of Communications often stays in Wal-Mart and China CITIC Bank often stays in Carrefour). Individual industrial and commercial households can send their ID cards, business licenses (preferably more than 12 months), asset certificates and other materials to the outlets to apply for cards.

freelancer

In the minds of banks, the word freelancer mostly means people with no stable income. Therefore, when applying for a card, freelancers must go to offline outlets and prepare and submit sufficient materials to prove their financial situation, such as income certificate, bank account, real estate certificate, vehicle certificate, deposit certificate, investment and financial management certificate and so on.

By the way, banks also have certain criteria for judging the personal information provided by applicants:

1. Marital status: In general, the scores of married and childless applicants are higher than those of married and childless applicants.

2. On the residence: no loan for own residence > loan for own residence > apartment > renting a house. If you don't buy a house, you might as well write your address in your hometown.

3. In terms of position and income: the higher the position and the higher the income, the easier it is to pass. But for some positions such as sales, banks will still be very careful.