How to apply for a credit card if you have no job?

For Baihu, it is already difficult to apply for a card without a credit record. In addition, if you don’t have a job, it is even more difficult to apply for a credit card. More difficult than ever. However, if there are difficulties, there are solutions. As long as you master some methods of applying for a card, you will not have to worry about not being able to apply for a credit card. Let’s take a look at how to apply for a credit card if you don’t have a job.

Method 1. Apply for a card by moving money.

The so-called "moving money" means saving money. In simple terms, this method is to save money and apply for a card. You must know that what banks like most is money. , we just do what we like and make a fixed deposit at the bank where we want to apply for the card.

It is feasible to save money to apply for a card, but the policies in each region are different. You must first go to the bank and ask. If possible, bring your own savings card with money, withdraw all the money, leave some for living expenses, and put the rest in!

Theoretically, the more you save, the higher the card limit. It is best to save a fixed deposit of more than 50,000, otherwise the bank will not take it seriously.

When it comes to choosing a bank to save money and apply for a card, it is recommended to choose two banks, Industrial and Commercial Bank of China and China Merchants Bank. These two banks have high credit card limits and can increase the limit quickly in the future.

Of course, if you have no money, there are two strategies:

1. Either borrow. If you can't borrow, it means your earning ability is too poor, so improve it.

2. Either don’t think about applying for a card, it has nothing to do with you, especially those who want to apply for a large-value card

Method 2: Provide fake jobs

When applying for a credit card, the most important thing is to prove to the bank that you have the ability to repay, and your job is the best proof. So, what should I do if I don’t have a job? I can fake it. As long as there are a few people you know around you, such as large shopping malls, supermarkets, and factories,

For example, Carrefour, Auchan, China Resources Vanguard, Gome, Suning Appliances, Foxconn, Wahaha, Pepsi, etc. Something similar will do.

These companies have one thing in common:

The first type of supermarket is the store type. This kind of counters gather most of them. However, many counters are well-known brands and do not have landlines. The credit card approval rate of their employees is more than 90%. Their work certificates are also made of paper and are very easy to imitate. There are also employees in the supermarket, with different people assigned to each section.

All you have to do is go to this supermarket, choose a counter, and remember its information. Call 12580/116114 to check the telephone number of this supermarket’s customer service center. Then just apply generously. As long as the preliminary work is done well, this method is 100% successful.

Method 3. Apply for an additional card

If the white household still cannot apply for the card through the above two methods, then there is nothing you can do. Not having a job is a flaw and you want the bank to approve the card. It is indeed difficult.

If you really want a credit card, you can ask your immediate family members to apply for an additional card for you. Then you swipe the card to make purchases, and they will pay you back. Of course, you can also repay it yourself. Be careful to repay the loan on time, otherwise it will affect the credit score of the main cardholder.

How to apply for a credit card

The first way to apply for a credit card is: the applicant goes directly to the bank counter to apply. If you apply at a bank, you must fill in the information directly. There are bank staff on site who can guide me in filling in the relevant information, which can avoid the problem of being rejected if the information is filled in incorrectly. At the same time, we can issue more qualification certificates and wealth certificates, which will help increase our final card purchase limit. However, the credit card review process at the bank counter will be relatively slow, because the information must be reported from the branch to the credit card center, and then the card center will review your information. Another way is to apply for a card online: Nowadays, when applying for a credit card, we can apply for it on the official website of the credit card. However, when applying for a credit card online, we have to fill in the information ourselves, which makes it easier to fill in the information incorrectly. was dismissed. However, online application is mainly convenient and you don’t have to go out. You only need a mobile phone or a computer to apply. There is another way to apply for a credit card: that is, apply for a credit card through a bank’s credit card clerk.

We often see these bank staff setting up stalls in shopping malls or other stores to promote credit card applications. This method of applying for a card allows you to receive prizes, but since they are all business personnel, their main purpose is to obtain performance, so we still have to carefully consider things that guarantee a high limit and ensure the card is issued, and not to believe too much. The process of applying for a credit card 1. Prepare the application materials. 2. After the materials are ready, you can go to the bank to apply or make an appointment online. 3. Then wait for the bank's approval. During the approval process, the bank will call the applicant to verify the information. 4. After the approval is passed, the bank will mail the card to the applicant. It will take about 3 weeks to get the card after successfully submitting the information. "Legal basis: Credit card business is a civil act. The General Principles of Civil Law, Contract Law, Criminal Law, People's Bank of China Law, Commercial Bank Law and other laws have principled provisions on credit card business. Chapter 5 of the "People's Bank of China Law" states that the People's Bank of China examines and approves the establishment, change, termination and business scope of financial institutions in accordance with regulations. Article 3 of the "Commercial Bank Law" has 13 items in its business scope. Credit goes to school. The business belongs to other businesses approved by the People's Bank of China in item 13. Violation of legal provisions is invalid and subject to corresponding criminal liability.

How to apply for a credit card? The more detailed the better.

The credit card processing method is as follows:

1. Prepare materials. When going to the bank to apply for a credit card, you must first prepare the corresponding application materials, generally including original ID card, work certificate, income certificate, etc. .

2. Go to the bank to get the number. After you prepare the information, you need to choose a bank outlet and go to the bank’s self-service numbering machine during working hours to get the number.

3. Fill in the card processing information. Generally, after picking up the number, you can ask the bank lobby manager how to fill in the information, and fill in the information according to the staff's prompts and the template provided by the bank.

4. Submit the information. After filling in the corresponding information, wait for the number to be called at the bank counter. After getting the number, go to the counter to submit the required information and wait for the bank's review.

Counter work. After receiving your review information, the staff will review the information according to the bank's corresponding regulations to see if it meets the conditions for applying for a credit card. If so, it will pass the review. If not, it will tell you the reason why it cannot be done.

6. The card is issued and activated. If the bank has already applied for the card, the bank counter staff will issue the card to you in time and help you activate it.

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Extended information:

1. Advantages and disadvantages of applying for a credit card:

(a) Advantages of a credit card:

1. Overdraft for consumption without deposit , you can enjoy the interest-free period of 20-56 days.

2. You will get points as gifts when shopping.

3. You can enjoy discounts at special merchants where you hold the card.

4. Accumulate personal credit, and the credit record can be added to the credit file.

5. You can withdraw money or swipe cards at ATMs and POS machines with the UnionPay logo.

6. Some credit cards accept existing points.

7. Free monthly mailing of statements

8. Supplementary card function, you can manage finances together and control your children's financial expenses. .

9. In the form of one card and two currencies, you can repay in domestic RMB when you spend abroad.

10. 24-hour service hotline, loss report takes effect immediately.

11. Cooperate with third-party platforms to provide cardholders with preferential services.

(2) Disadvantages of credit cards:

1. Credit cards can easily lead to excessive consumption.

2. Credit cards have higher annual interest rates.

3. Credit card debt can cause mental stress.

4. If your credit is not good, the cost of borrowing money will be higher, and you may even not be able to borrow money.

This ends the introduction on what to do if I have no money and what to do if I don’t have a credit card. Have you found the information you need?