The prerequisite for applying for a credit card is that the applicant has a stable job and income. Freelancers do not have this condition, but if they can provide a valid bank statement, it will also be very helpful for applying for a credit card. Many card friends don’t know much about this bank statement. Here we will take you to see what role this bank statement plays in the process of applying for a credit card.

First of all, understand what bank statements are. There are many forms of bank statements. The most common ones are copies of current passbooks (which must be copied by bank staff); there are also statements on some teller machines (which must show the complete account number). , and the bank stamps it). In addition, take the debit card to the counter and have the bank print the statement and stamp it with the official seal. This is also the most reliable bank statement.

Next, let’s take a look at the role of bank statements. Bank statements have now become one of the most reliable credit information, and are common materials required to apply for a credit card. After all, although freelancers cannot provide proof of employment, they can provide valid bank statements as proof of a stable source of income. Some cardholders said that this is more effective than an income certificate stamped with an official seal issued by the company! The reason why bank statements play such a big role is that an effective bank statement can indirectly prove the applicant's repayment ability. For the bank, it is more of a guarantee and can reduce risks.

So, how to provide a valid bank statement? 1. Deposit a sum of 5,000 yuan or more into your debit card on a fixed day every month; 2. The monthly remittance should be uninterrupted, and it is advisable to keep it for more than 6 months; 3. It can be done in between Deposit it in and then withdraw it, but do not deposit it on the same day and withdraw it on the same day, and you cannot withdraw it all at once and then deposit it again; 4. Make sure there is a balance in the card at all times, and do not let the card be empty; 5. Except for deposits of similar amounts at fixed times every month If you have other odd deposits, you will also get extra points. Through the above introduction, everyone must have realized the importance of bank flow for applying for a card. I hope that everyone can have stable and continuous bank flow, so that the success rate of card application will be relatively high.