Not all users who have no stable job can't apply for a credit card, and it doesn't mean that you can pass the examination and approval if you have a stable job. The focus of bank examination and approval is to see whether you have repayment ability. If you don't have a job, you only need to prove your repayment ability. Some people can't pass the examination and approval of the bank even though they have a stable job, but their wages are too small.
credit card application process
If you apply for a credit card online, take a behavior as an example. The application process is as follows:
Click on the "Online Credit Card Application" link on the homepage of the credit card website to enter the application page (or click on the "Application" link of a product to enter the product application page)-select the location, application card type, customer type and whether or not you have an online banking shield-new users choose a U shield without online banking, read and sign the application agreement. After confirming the application information, it can be submitted-if it is approved, a face-to-face SMS will be sent. After receiving the face-to-face SMS, the customer can go to any CCB outlet near the address of the statement as soon as possible with the SMS and his ID card.
to apply for an offline outlet, you should first prepare the application materials needed for the application, then go to the bank outlet to get the application form, fill it out and submit it together with the application materials, and then wait for the audit results.
Advantages and disadvantages of credit card
Advantages of handling credit card:
1. It saves the trouble of carrying cash. Cardholders can spend first and then repay. Online consumption is convenient and fast. Many online shopping malls have opened credit card payment methods.
2. You can participate in various discount activities. Many merchants have cooperative relations with banks. Consumers can enjoy discounts and other preferential activities when they bring their credit cards to the corresponding banks, and customers can save money and get points.
3. Deduction points for consumption. When users use credit cards to spend, they can get points in many cases. The cardholder's points reach a certain level and can be exchanged for gifts.
4. The credibility of personal banks has been improved. When we need a loan in our life, the bank attaches great importance to your credibility.
5. Financial investment. Generally speaking, the interest-free period of credit cards is about 55 days, which means that consumers don't have to pay any interest to the bank during this period after spending by credit card, and some families will invest their funds in other places as working capital during this period to manage their finances reasonably.
What are the disadvantages of getting a credit card?
1. Irrational consumption. Using a credit card to swipe a card is not as painful as spending money, which makes many people who don't know how to control themselves spend blindly.
2. High interest. Everyone knows that every bank's credit card has a repayment date. If the cardholder fails to pay off the current arrears before the final repayment date, he/she will have to pay the bank interest and late fees.
3. Overdue repayment will affect personal credit record. If the cardholder fails to repay the loan within the time limit, it will also affect the cardholder's credibility in the bank and bring influence and trouble to future loans.