More than 3 months
Details are as follows:
1. To apply for a credit card, you need to provide your ID card and work certificate.
2. There will be a company in social security, and the specific details and time of paying social security can be used as financial resources and proof of work for credit card applications. It will take at least three months.
3. Different banks have different requirements.
Is it easy to get a credit card when buying social security?
Social security is just one of many materials submitted when handling credit cards. But it is not necessary material. Is optional.
Proof of identity and proof of work are necessary proof materials for all bank credit cards. Basic conditions for banks to accept applications. Some banks need financial proof. These three things are basic.
However, in order to prove the applicant's qualification, ensure the risk and facilitate the examination, an accurate and appropriate amount is given. Many banks encourage the submission of more other materials. For example, real estate license, car license, education certificate, professional title and so on. Social security is one of them.
Having social security indirectly means that you work in a regular unit. In fact, it is also indirect material for work proof.
Many people have set up many credit cards without social security, so I have no social security, but now I have set up credit cards in eight banks. The quotas all exceed 10000.
So don't think that social security is very helpful for applying for a credit card. This is a complete misunderstanding. Maybe when you went to consult, the other party asked if you had social security and gave you this impression.
In short, social security is not important for credit cards.
What matters is your work unit. If you are a civil servant, a teacher, a doctor, or work in a large telecommunications, energy or state-owned enterprise, you only need a copy of your ID card and badge to get a card.
Extended data:
Matters needing attention in credit card processing:
1. Never touch small loans (especially those with credit information).
Microfinance here refers to non-bank loans.
There is a simple reason. When the bank sees that you can even borrow a small loan, it must be short of money.
Usually you can't get a loan from the bank before you borrow a small loan.
The bank doesn't know whether you are really short of money, and can only see your situation from the credit report.
Once there are too many inquiries about small loans, basically large credit cards will leave you behind.
2. You can't apply for cards frequently in a short time.
Generally speaking, multiple credit cards of each bank share the quota (except for some products such as installment of China Merchants Bank), that is, multiple credit cards of the same bank cannot increase the total amount.
If you need a high amount, you can only apply for more credit cards from several banks for blessing.
Every application will leave a record on the credit report. If you apply for a card frequently in a short period of time, the bank can see your multiple application records, thus wondering whether there is a problem with your financial situation. Is it urgent to use money? The card that led to the downgrade could have been approved for 50,000 yuan, and may have been approved for 1 10,000 yuan in the end.
Therefore, if you want to pile up a high quota by applying for more credit cards in the short term, it is haste makes waste!
Good practice: the frequency of card handling should be controlled at 1-2 times a month, and no more than 8 times in half a year.
Don't apply for a credit card online easily.
In order to facilitate customers, almost all banks have opened up online application channels.
However, the information provided through online application is relatively limited. For example, some banks can't even upload their own car books and room books.
Therefore, the financial proof you can provide is limited, resulting in the bank not seeing how much matching strength you have, and finally the card amount is relatively average.
As a cash flow limit party, you can only apply for a credit card once a month (as mentioned above).
Good practice: be diligent and submit materials to the corresponding outlets.
It is particularly important to note that some credit card personnel in some outlets are unfamiliar with the business or are too lazy to bother. Even when they arrive at the outlet, they still access the application port by scanning the QR code of online application. At this time, you should strongly ask the salesman to take out the pad or paper import application form and submit all your financial certificates to the credit card center for approval.
4. Don't trust others' invitation to handle the card link easily.
The credit card limit is approved according to the proof of personal financial information, and sometimes your husband/wife's credit status is not referenced, not to mention that S is an invitation from someone who can't make a difference.
Generally, invitations to apply for a card are all online applications, and no more financial proof can be submitted, so invitations from others are basically useless.
It's a small matter that you can't get a high credit card. Once the Trojan link is implanted, your money will soon go into other people's pockets.
It should be noted that the systematic invitation of the bank is different from the invitation of small advertisements flying all over the sky.
The identification method is: Look at the number of short messages sent. All bank invitations are fixed short message numbers, which Baidu can identify as soon as it searches.
5. Don't keep too many low credit cards.
After the credit card is approved, the credit limit of the card will be left in the credit report.
If you have too many low-limit cards, when you apply for a credit card, you will adjust (approve) your approval limit with reference to the credit lines of various banks.
How to understand it?
It's actually quite simple. If you are a letter examiner, when you see the following two sample application cards:
A: Bank A is 2000, Bank B is 4000, and Bank C is 65438+ 10,000.
B: 30,000 for Bank D, 30,000 for Bank E and 50,000 for Bank F..
Then at the time of examination and approval, Party B will definitely be given a quota of at least 30,000 yuan. As for Party A, it is possible to refer to other banks' low credit lines (thinking that he has financial problems in some aspects), so he dare not grant him a large credit card.
6. Don't handle the card blindly.
If you hold more than one credit card, you may be rejected by some banks. The term in the circle is "multi-loan".
Typical ones are China Construction Bank, Citigroup and China Agricultural Bank. , so pay attention to the order of handling cards.
At present, there are many taboos as follows:
Reject a number of banks: China Construction Bank, Agricultural Bank of China, China Merchants Bank, Citigroup, Standard Chartered, etc.
Some banks were rejected: Shanghai Pudong Development Bank, China CITIC Bank, Ping An Bank, Guangfa Bank and other joint-stock banks;
Basically, many banks are not excluded: Xingye, transportation, people's livelihood, Beijing, Shanghai, local city commercial banks, rural commercial banks, regional banks and so on.
ICBC and Bank of China are special cases. Most of the credit policies of these two banks are dominated by provincial branches: some provinces ignore multiple lines, while others restrict multiple lines.
Some banks, such as China Merchants, Agriculture and Guangfa. It is called "good support" in the circle. The cards of these banks are recommended to be handled in the early stage; However, some banks, such as China Construction Bank, Bank of Communications and CITIC, etc. After issuing the card, it is almost impossible to withdraw the amount for life. It is recommended that the cards of these banks be processed later.
Some banks' credit cards are highly recognized in the industry, which is convenient for other banks' credit cards, such as Industrial and Commercial Bank of China and China Merchants Bank. Especially the level above platinum card. China Merchants Bank can be said to be the benchmark in the industry. Holding a high-end investment card for "benchmarking" cards will generally be recognized by other banks.
With social security, can I do personalized credit card installment?
Of course.
With social security, it is very easy to pass the credit card examination and approval, because it can prove your repayment ability, and the installment is what banks are happy to see, so it is very easy to handle.
How to apply for a credit card with social security card?
The most important condition for applying for a credit card is that you are at least 18-60 years old and have a stable job and income. The necessary application documents are copies of your identity certificate and work certificate. If you can provide other financial documents, it will be more helpful for us to understand your personal situation and judge the credit limit. The specific application materials are as follows: 1. Proof of identity: generally, it is an ID card (if a new ID card is used, a copy of the front and back is required), and soldiers need to provide a copy of their ID cards; 2. Work certificate: it can be the original work certificate issued by the employer (please indicate the specific company name, department, position and income, and affix the official seal or personnel seal of the company), or a copy of the work permit/card verified and marked by the sponsor; 3. Proof of financial resources: it can be a payroll record issued by a bank, an income tax withholding certificate, or a market value certificate of a house, a car, a deposit or an investment (such as a copy of the real estate license/car driving license/bank time deposit certificate) and other materials that can prove your economic level. Other documents for reference include: personal account list of social insurance in the last 6 months, water, electricity and gas bills, credit card bills of other banks, etc. Please refer to the above for details on how to apply for a credit card with a social security card. I hope you can adopt them. Tips: Credit card verification is subject to the final audit result.
Can I apply for a credit card only after one month of social security?
Social security is only a reference condition for handling credit cards, not a necessary proof document. Whether to apply for a credit card is not determined by social security, but the result of many aspects. In general, the conditions that need to be met for handling a credit card are:
1, age: 18~65 years old, with full capacity for civil conduct;
2. Income conditions: there is a stable source of income, which can guarantee timely repayment every month;
3. Credit conditions: good credit and no bad credit record;
In addition, you need to provide the necessary proof documents: identity certificate (usually ID card, not fake certificate or certificate about to expire), income certificate (also work certificate, mainly to ensure that you have a stable repayment ability), and if you have strong financial resources, you can also provide your own real estate license, driver's license and deposit as the basis, which will greatly improve the probability of passing the exam.
Whether you can apply for a credit card depends mainly on your income and age. If you meet the age of 18~65 and have stable repayment ability, you can apply for a credit card even if you have only applied for social security for one month.