Can I apply for a credit card if I don't have a job, that is, an unemployed person? What information do I need to apply for a credit card?

The two major application materials for credit cards are identification and income proof. If the applicant is unemployed, it means that an important application material is missing. In fact, you can still apply for a credit card in this case.

There is no proof required to apply for a credit card for a job:

1, valid identification

Like the conventional treatment, the unemployed also need to provide their valid identity certificate, that is, a copy of their ID card. You must be between 18-60 years old and have full capacity for civil conduct.

2. Proof of deposit

Before you submit your credit card application, you can open an account with the issuing bank and deposit a certain amount of cash. The higher the amount, the better. When you apply for a credit card, the bank will have a certain repayment ability when it sees that you have a deposit, which will also improve your success rate.

3. Proof of residence

You can provide the bank with any of the water, electricity, coal or fixed-line telephone bills in the past three months. Applicants with personal property can also provide property ownership certificates. After submission, the possibility of approval will be greater and the amount will be higher. If you rent a house, you can provide a lease agreement for public rental housing.

4. Social security certificate

If you don't have proof of income, you can choose to provide personal income tax payment certificate or personal social security fund account payment details to the bank, or you can use it as proof of credit card.

If you only have an ID card, you can get a credit card with a lower credit limit, but you can gradually increase the credit limit by swiping the card to reach a certain accumulated amount. If you can provide your own large time deposit certificate with our bank, you can directly obtain a credit card with a higher credit limit (the credit limit is determined according to the deposit amount).

Some netizens suggested that you can apply for the pig card of ICBC, as long as you have an ID card. However, the amount of application will be very low, perhaps tens of yuan or even zero. However, if you use the card for three months and spend money in 500 yuan, the limit can be raised to 500, then if you use the card for three months and spend money in 500 yuan, the limit can be raised to 1000 yuan, and then the cap will be 2,000 yuan.

Generally speaking, it is difficult for formal institutions to obtain credit cards without jobs, and the amount is not high.

How to apply for a credit card without a job can use these two methods.

More and more people usually use credit cards, and many people have several cards. However, when applying for a credit card, you must submit a work certificate. How can they apply for a credit card if they don't have a job? Have you ever encountered such a problem? Let me give you a detailed introduction.

Users can submit personal property certificates, such as bank deposits, real estate, vehicle information, purchased financial products, etc. When they have no job to apply for a credit card. The submission of these certificates can prove that the user has good financial resources, and then the bank will approve and get the card soon.

Users can apply for supplementary cards when they are not working. When their relatives have a credit card, they can apply for a supplementary card and then use it themselves. However, the consumption of the secondary card will be recorded on the main card, and the main card will be responsible for the repayment, which may be inconvenient to use.

Credit cards can be applied through different channels such as bank counters and bank official website. When you apply for a bank in official website, you can learn more about the rights and interests contained in a credit card, so as to know what card is best for you. However, different users get different quotas when applying, and the quotas are generally determined according to the submitted application materials.

You can get a credit card about 30 days after you apply for it, and you can activate it after you get it. The mailing envelope will be marked with the activation method, and the user can choose one method to activate. After activation, you can spend by credit card. When you use a new card for the first time, you'd better do it step by step. Don't brush all the quotas at once.

Users must repay on time after using credit cards, and there can be no overdue repayment. Penalty interest will be generated after the deadline, and the longer the time, the more penalty interest will be generated. After overdue repayment, the bank will upload the overdue records to the credit information center, which will affect various loans, such as car loans or mortgages.

How to apply for a credit card without a work unit?

How to apply for a credit card without a work unit:

1. If the user is an individual merchant, you can provide your personal business license, the latest running income statement and tax bill for the last three months.

2. Users can apply for some assets, such as houses, cars, time deposits and other property certificates.

Students who have just graduated and have no work unit can ask their parents to get you a supplementary card.

Conditions for applying for a credit card:

1. Applicant 18 years old or above, with full capacity for civil conduct;

2. Have a stable income and be able to repay the arrears on time;

3. The applicant has good personal credit;

4. Other conditions stipulated by the bank. Usually, when users apply for the first time, they can consider the universal card launched by the bank, so that the bank will pass the examination quickly and get the credit card soon, but the amount will not be too high.

Users can apply for credit cards through official website, bank counters, mobile banking and other channels, including online channels.

When requested, users can learn more about the rights and interests contained in the credit card, the conditions for using these rights and interests, and know whether they want it most. After all, a credit card with more rights and interests can save more money when users use it.

Usually you will get a new card about 30 days after applying for a credit card.

After the card is activated, it can be used. After activation, you can choose different channels, such as bank counter, bank customer service and hair service.

Send text messages, etc. , cardholders can choose the way that suits them, and they can use it after activation.

Users must return their credit cards on time after daily use, and they cannot be overdue. If you can't return it on time, you can use installment repayment or minimum repayment amount, which can effectively reduce the monthly repayment amount and will not be overdue. In fact, if they can't return it on time, they can borrow money from friends around them and return it later.

Generally speaking, the ultimate goal of running a credit card bank is to judge the repayment ability of users. As long as users can prove their repayment ability, they can apply for a credit card without a job. If the applicant has no job and wants to apply for a high credit card, he can only provide strong economic proof.

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This concludes the introduction of how to apply for a credit card without a job and how to apply for a credit card without a job. I wonder if you have found the information you need?