It is difficult to get a credit card without a job. If you have a large deposit in the bank, you can also apply for a credit card.

Credit card application conditions:

1. Be at least 18 years old; 2. Hold a valid ID card; 3. No bad credit record; 4. Have a permanent job certificate; 5. Proof of income with the financial seal of the unit; 6. Proof of other financial resources, such as real estate, cars, stocks, bonds, etc.; 7. Proof of social pension insurance; 8. Provide two contacts.

The first three conditions must be met, and provide 4-7 supporting materials as much as possible

Applying for a credit card:

First of all, you need to clarify the application location and bank. And you need to bring relevant documents.

Application location:

1. Local bank branch;

2. Bank credit card center staff;

3. Now most All banks support application through online banking.

Application conditions:

1. A person who is over 18 years old and has full capacity for conduct;

2. A person with stable repayment ability.

Submit proof:

1. ID card (required);

2. Proof of work or income;

3. Yourself Real estate and vehicles in your name;

4. Bank financial assets in your own name;

5. Social security;

6. Credit cards from other banks, etc. Each bank has different standards for importing documents, so not all of the above information is required. It depends on the bank's requirements. Proof of employment or income is very important.

First go to a credit card salesperson or lobby teller to fill out an application form. The other party will usually ask you to fill in the application form if they see that your conditions may approve the card. You need to fill in your basic personal information and your work phone number on the application form. , home phone number and personal mobile phone number; two contacts (relatives or friends) and their mobile phone numbers and landline numbers.

You only have hope after filling out the form, and then submit the above information and wait for bank approval. The bank will decide whether to approve the card and the credit limit based on the comprehensive score of the information submitted by the applicant. The reference items include age, gender, and unit. , income, position, housing, education, marriage, real estate, professional titles, credit records and other items, one score range corresponds to one result, from not approved to approved, from low limit to high limit. In addition, ICBC and other banks will assess the star rating based on your assets in ICBC, and determine whether to issue a card based on the star rating. After submitting the form or applying online, you can enter your ID number on the bank's official website to check the application progress. The result is usually rejection or approval. After approval, the card will usually be mailed to your address, and you can use it after you receive the card and activate it.

In order to control risks, banks attach great importance to the repayment ability of the cardholder. The information you submit must make the bank feel that you have sufficient repayment ability. The stronger the repayment ability, the easier it is for the bank to issue the card.