Can people who don’t have a job apply for a credit card?

Those who do not have a job can apply for a credit card. There are several types of people without a job, such as having a job before but now resigning, temporarily without a job, or never having a job, such as freelancers or students, and without property certificates, all of which belong to the unemployed group, but as long as you make the right choice to apply for a credit card You can successfully download the card through the channel.

For those who are temporarily unemployed, do not go directly to the bank counter to apply for a credit card. You can choose to apply online. We all know that credit cards require proof of work and salary. If applied at the counter, the applicant must provide these information. If you don’t have a job, you will naturally not be able to provide it. Moreover, during the bank review process, you need to call back to your workplace, so even if you apply If someone casually mentions a workplace, it will be easy for them to tell the truth when they call back for a follow-up interview.

It is relatively simple to apply online. You only need to fill in your personal information and previous workplace. Some joint-stock banks will not call you back, so applying for a credit card through online banking is more efficient and has a higher approval rate. It's higher. As long as the personal information is true and valid, and there are no bad records on the personal credit report, there is basically no problem. However, the limit for applying for a credit card online is not very high. You can slowly increase the credit card or increase the limit.

People who do not have a fixed job or stable income need to provide relevant certificates when applying for a credit card, including personal property, bank deposits, income certificates of parents or spouses, and personal income tax certificates. These are all Can be used as information to apply for a credit card.

It should be noted that if the applicant does not have a job and does not have any source of income, the bank will not approve the application if he only provides an identity document. The bank is also worried that the applicant will not be able to repay after approval. Generally speaking, the final review by the bank is to judge whether the applicant has the ability to repay based on the information provided by the applicant. As long as the applicant fully proves that he has this ability, he can apply for a credit card even if he does not have a job.

Can I apply for a credit card if I don’t have a job?

It is possible for users who don’t have a job to apply for a credit card.

Not all users without a stable job are unable to apply for a credit card. The bank ultimately determines the user's repayment ability. As long as the user can prove his or her repayment ability, he or she can apply for a credit card without a job. Credit card.

If you are a student, you can apply for a student credit card, or provide a second source of income, that is, proof of income from your parents. If the applicant can only provide an ID card, the bank will generally not approve the credit card. Even if it is approved, the credit limit will be very low or even zero. However, if cardholders are patient, they can gradually increase their credit limit by swiping their cards to reach a certain accumulated amount.

If the applicant does not have a job and still wants to apply for a high-limit credit card, he or she can only provide strong proof of financial resources. If you can provide your large time deposit certificate from the bank you are applying for, you can directly apply for a credit card with a higher credit limit (the credit limit is determined based on the deposit amount). Applicants can also choose to apply for a card with a guarantor or pledge guarantee (other credit products except diamonds, platinum and other high-end products).

The pledge guarantee method refers to applying for a card through a deposit or pledge rights certificate. The minimum deposit amount of the margin is RMB 5,000 (inclusive). The pledged rights certificates include: RMB lump-sum time deposit certificates issued by the applicant bank and certificate-type treasury bills issued by the Ministry of Finance in 1999 and later issued by the bank.

If you apply for a card through a guarantor, the guarantor must be a Chinese citizen between the ages of 22 and 60 (exclusive) with a stable income and repayment ability. At the same time, the guarantor needs to have a job, a household registration, own real estate and a fixed residence in the local area. When applying for a credit card, the guarantor needs to sign a guarantee contract and provide a copy of his/her valid identity document and one of the income certificates, house purchase certificates, and residence certificate documents.

It should be noted that if the applicant does not have a job and does not have any source of income, the bank will not approve the application if he only provides an identity document. The bank is also worried that the applicant will not be able to repay after approval. Generally speaking, the final review by the bank is to judge whether the applicant has the ability to repay based on the information provided by the applicant. As long as the applicant fully proves that he has this ability, he can apply for a credit card even if he does not have a job.

Can I apply for a credit card if I don’t have a job?

You can apply for a credit card even if you don’t have a job:

1. Submit your deposit certificate to the credit card application platform. Regardless of whether the applicant is employed or not, providing proof of deposit is a must-master card application skill. If you don't have a job and only provide your ID card, you may only be able to apply for a credit card with a very low limit. Therefore, before you apply for a credit card, you can open an account at the card-issuing bank and deposit a certain amount of cash. This can prove your repayment ability to the bank, which can effectively improve the success rate of applying for the card!

2. Provide the bank with proof of fixed residence. Having proof of residence is also particularly important when applying for a credit card without a job. Even if there is no fixed employer, as long as the applicant can prove that he has a stable real estate title certificate, he can often be favored by banks. If it is a rented house, the applicant can provide a public rental housing rental agreement, which can also effectively increase the success rate of applying for a card.

Please provide proof of credit. In the absence of a job, you can provide credit certificates to the card issuer. As long as you can prove that you have good credit, it is not a problem to successfully apply for a card. However, if you want to accumulate your own credit, you must pay attention to accumulating your own credit in normal times, maintain rational consumption, repay in full and on time, and stay away from credit stains.

Please give priority to online application. Applicants without a job are best to choose online application channels to apply for a card, because many bank branches require proof of employment stamped with the company's official seal to apply for a card. If you cannot provide it, your card application will not be successful. When applying for a card through the online application channel, you need to fill in the application information directly online. There is no need to provide additional information, but please note that the information required to be filled in must be complete. If you don't have a job, you can ask your relatives and friends for help, fill in their company information, and cooperate with the bank to call back.

Can I apply for a credit card if I don’t have a job?

You can apply for a credit card if you don’t have a job. Since you have no job and no source of income, if the bank thinks you have no ability to repay, the application may not be easily approved.

If you do not have a fixed employer, but you can provide proof of other income and property, you can also apply for a credit card. For example, real estate certificates, vehicle driving licenses, social security, bank statements, deposits, etc. These are the certificates that can prove that you have a certain repayment ability. Banks will generally agree to apply for a credit card.

Extended information:

1. To apply for a credit card first, you need to bring your personal identity document, go to the counter of the local bank to handle relevant banking services, and fill in the relevant application for credit card;< /p>

2. The age when applying for a credit card must be within 18-65 years old. It is not acceptable if you are too young or too old;

3. When applying for a credit card, you also need to have a stable Career and related income, so that you have the ability to repay the amount;

4. At the same time, you also need to have good credit, which implies the ability to repay, and credit is very important Generally speaking, only good credit can improve your credit value. If you do not repay your credit card on time, your credit score will drop significantly;

5. When applying for a credit card, you need to provide your resident status. Please provide a copy of the front and back of the certificate, or other valid certificates to complete the registration process.

Reference material: Credit card - Baidu Encyclopedia

This is the introduction of whether you can apply for a credit card if you don’t have a job.