Can I apply for a credit card if I have no job and only provide proof of assets?

If you apply for a China Merchants Bank credit card, applying for a main card will not work. You need a local China Merchants Bank, and you must be 18-60 years old. If you can provide your identity (The temporary ID card requires a second-generation temporary ID card valid for more than 3 months and a copy of the household registration book), work certificate and income certificate information. You can try to apply. If you apply for a car card, you need to attach an additional driving license in your name. If the local branch has clear regulations, the regulations of the local branch shall prevail. The credit card verification status shall be subject to the final audit result.

If you only have an ID card or are not old enough, you can apply for an additional card for immediate family members (immediate relatives are parents, children, and spouses).

You can log in to the credit card website, select "Credit Card Application" - "New Customer Application Channel", apply through the "Easy Appointment, Door-to-Door Application" online banking application appointment platform, fill in simple appointment information online, and wait for bank review , if you pass the preliminary review, our bank will first conduct a preliminary review. If you pass the preliminary review, there are two subsequent card application processes. One is if you pass the preliminary review, a card application officer will contact you to come to collect the card; the other is that you will receive a text message from our bank. You will be notified to go to the branch to sign and confirm the application. The details will be subject to the notification from our bank after the preliminary review is passed. What amount can be applied for by providing proof of assets when applying for a credit card?

The limit of China Merchants Bank’s credit card is 3,000 to 10,000 yuan, and the gold card limit is 10,000 to 50,000 yuan. The fixed limit for customers to apply for a credit card is based on their submission The information will be comprehensively evaluated, and the final review result will prevail. (Multiple credit cards under the same account *** share the same limit) Can I apply for a credit card without proof of employment and assets?

There are the following ways to avoid spending money

In the following situations, you You can apply for a credit card:

First, go to the bank counter to apply (provide ID card and proof of employment)

Second, make an appointment with a bank clerk to come to your home (you can call the bank by phone)

Third, the official online application (the limit is generally not very high, you only need to fill in the information thoroughly, someone will answer the phone at your workplace, there is no big problem with your personal credit report, and you can usually get the card) )

If you can't do it, you can only spend money to find someone.

To apply for a card or withdraw cash, you can contact me.

I have social security, my car driving license, bank statements, and one of the Bank of Communications credit cards that can be used for credit cards. Can I increase the limit by providing proof of assets?

The limit increase procedure for Bank of Communications credit cards is different from other banks. Bank of Communications does not support telephone applications. Their limit increases are automatically increased by the system. The following is my personal experience and I hope it can help you

1 Bank of Communications requires continuous For half a year, the monthly consumption on the card should reach more than 60%

2. Full repayment of each installment for six consecutive months

3. No overdue payment, repayment on time

4. No record of cashing out (the bank has suspected records of cashing out)

5. Go to shopping malls, supermarkets and restaurants that Bank of Communications cooperates with to spend more money

6. Minimize online transactions

If you adhere to the above points for six months, you will definitely get a credit limit increase. Bank of Communications' low-limit cards have a lower chance of a credit limit increase, and they do not support telephone applications for limit increases. I cannot provide proof of employment. Can I apply for a credit card?

Without a proof of employment, Cannot apply for a credit card.

When applying for a credit card, in addition to the original ID card, you also need to submit other supporting materials. Banks attach great importance to the applicant's repayment ability. Therefore, the most important application materials are proof of work and income, and they need to be stamped with the official seal of the unit to be probative. These materials can prove that they have a regular job and are stable. The source of income can be used to repay credit card consumption debts in a timely manner without causing economic losses to the bank. Only in this way can you pass the bank's review and apply for a credit card.

According to bank regulations, only those who are between 18 and 70 years old and have full civil capacity can apply for a credit card.

The following conditions are required to apply for a credit card:

(1) Required documents

1. Identity documents

Domestic residents: apply A copy of personal identification or military officer’s ID card.

Overseas residents: (A and B must be provided at the same time) A. Hong Kong and Macao residents provide a copy of their return home certificate, Taiwan residents provide a copy of their pass, and other foreigners provide a copy of their passport. B. Copy of domestic residence permit or temporary residence certificate

2. Work certificate and income certificate documents

A. Work certificate: copy of work permit or work identification card or stamped with the official seal of the unit Original employment certificate.

B. Income certification documents: salary records issued by banks in the past three months (copies of salary card statements) or copies of personal income tax withholding vouchers or original income certificates issued by the unit.

(2) Other supporting documents (please provide as much as possible to help increase your credit limit)

Educational background, professional titles, professional qualification certificates, self-owned real estate certificate, self-owned car driving license , a copy of the bank's time deposit receipt, any original receipt for the telephone, water, electricity, and gas bills of the current place of residence in the past three months, and other bank credit card certification documents (the originals of the last three statements), etc.

Credit card application process:

1. Fill in the application form;

2. Give the bank your own information and copies;

3. The bank will send it to the credit card center;

4. The credit card center will review, print and issue the card;

5. After getting the card, open it and wait for the password letter. Can I apply for a credit card number only by providing proof of income?

Documents required by Industrial Bank:

(1) Documents that must be provided

1. Identity documents

Domestic residents: A copy of the applicant’s identity certificate or military officer’s ID card.

Overseas residents: (A and B must be provided at the same time)

A. Hong Kong and Macao residents provide a copy of their return home certificate, Taiwan residents provide a copy of their pass, and other foreigners provide their passports a copy.

B. Copy of domestic residence permit or temporary residence certificate

2. Work certificate and receipt certificate

A. Work certificate: work permit or work identification card Copy or original work certificate stamped with the official seal of the unit.

B. Income certification documents: salary records issued by banks in the past three months (copies of salary card statements) or copies of personal income tax withholding vouchers or original income certificates issued by the unit.

(2) Other supporting documents (please provide as much as possible to help increase your credit limit)

Educational background, professional titles, professional qualification certificates, own real estate certificate, own car Driving license, copy of Industrial Bank time deposit receipt, any original receipt for the telephone, water, electricity and gas bills of the current place of residence in the past three months, other bank credit card certification documents (original statements of the last three periods), etc.

Note: If the supporting documents are copies, please use A4 copy paper.

Documents required by Guangdong Development Bank:

1. Your (primary and supplementary card) identity documents [such as: Chinese resident ID card, military ID, passport, etc.].

2. Proof of residence [any bill for water, electricity, landline phone bills, etc. in the last month—must be in your name].

3. Salary passbook for the last three consecutive months [the passbook must include the first page, account number and name can be clearly identified].

4. In order to make a more objective and accurate assessment, please feel free to provide: □household registration book, □real estate certificate, □driving license, □education certificate, □professional certificate, etc.

Documents required by Shanghai Pudong Development Bank:

1. Copy of your/supplementary card applicant’s Chinese identity document

2. Residence certificate (Any bill of water, electricity, coal, telephone bills, etc. in the last month - must be in your own name) Please provide any one of the following three income certificates:

1. The most recent consecutive Three months of bank statements or passbooks showing salary income (bank statements/bank books must include the first page to show account number and name)

2. Personal income tax returns for the last three consecutive months

3. Original income certificate issued by the unit

If you are willing to provide more financial proof, you can provide the following documents:

1. Property ownership certificate of your own house 2. Our Bank’s Savings Deposit Voucher

The supporting documents required by the Industrial and Commercial Bank of China:

1. Copy of the primary card and supplementary card applicant’s ID card (necessary). Identity documents refer to one of the resident identity cards, military officer certificates, Mainland Travel Permits for Hong Kong and Macao residents, Mainland Travel Permits for Taiwan compatriots, and foreign passports.

2. Work certification documents, such as a copy of the work certificate, the original work certificate issued by the work unit, a copy of the professional qualification certificate, and a copy of the professional title.

3. If you provide a copy of the ICBC "Elite Financial Management Fund" account or a copy of the graduation certificate and degree certificate of a master's degree (inclusive) or above, it will speed up your card application process. Applicants who work in companies (enterprises) are generally required to provide documents proving their own real estate (copies of their own real estate certificate, public housing lease agreement or public housing purchase agreement, housing loan contract, etc.).

4. In order for your application to be processed as soon as possible and to have an accurate credit limit, please provide the following financial support documents, such as bank salary records, income certificates issued by the unit, income tax withholding certificates, Copies of your own car driving license, our bank's time deposit receipt and other information.

Supporting documents required by Shenzhen Development Bank:

1. Required information:

1. Copies of the primary card and supplementary card applicant’s ID card , the bank checks the original.

2. Work certification documents (choose one from each of the following): copies of work certificates, work certificates issued by the unit, professional titles, professional qualification certificates and other materials.

3. Proof of address (please provide one from each of the following): the latest payment bill for landline phone, home address water, electricity or gas bill, etc.

2. Providing the following financial proof documents will help speed up the approval process and increase the credit limit

1. Income proof documents (optional documents listed below): issued by the bank Copies of salary records, income certificates issued by the unit, bank's time deposit certificates, income tax withholding certificates, etc.

2. Housing certificate (the items listed below are optional): copies of self-owned real estate certificate, self-owned housing mortgage down payment voucher and other information.

3. A copy of your own car driving license.

Documents required by Bank of Communications:

1. Identity documents of you/the applicant for the supplementary card (such as ID card, military officer’s ID card, pass or passport, etc.)

2. Documents proving your residence (such as utility bills, bank/securities/insurance/fund statements, mobile phone bills, household register, driver's license, real estate certificate, Rental contract or social security card—must be in your name)

Please provide any one of the following five income certificates:

1. Any one of the following three months Monthly pay slip (if the pay slip does not show the name of the unit, please provide the original pay slip)

2. Bank statement/bank statement showing your name and income in any month within the last three consecutive months Passbook

3. Monthly statement or account details list of Bank of Communications automatic salary transfer for any month in the last three months showing your name

4. Issued in the name of the unit, Salary certificate showing your name (show the name of the employer at the letterhead or at the end of the letter and stamp it with the official seal of the company)

5. The latest personal income tax bill

Other certificates Documents:

1. If you are a business owner, please provide an industrial and commercial business license showing your name, company name and date of commencement of operations

2. If you are a non-domestic resident , please provide a work contract showing your employer's name and date

If you can provide the following documents, it will help speed up the card application process and increase your credit limit:

1. Your valid professional qualification certificate

2. Documents proving your own special industry

3. Documents proving your own local license plate vehicle

Certification documents required by China Everbright Bank:

1. Copies of the primary and secondary card applicants’ identity documents. Applications from Chinese citizens using passports or temporary ID cards as identity documents are temporarily not accepted.

2. Documents proving fixed residence, such as: house ownership certificate, public housing lease agreement or commercial housing payment invoice and other documents.

3. Work certificate, copy of work or original work certificate issued by the unit.

4. Income certification documents, such as: original salary slips for the past three months, original income certificate issued by the unit, copy of tax receipt or bank salary record.

5. Practice certification documents, such as: copies of "Teacher Qualification Certificate", "Lawyer Practice Certificate", "Physician Practice Certificate" or "CPA Certificate".

Certification documents required by China Minsheng Bank:

1. Identity certification documents for applicants of main card and supplementary card:

Domestic persons - resident identity card or Copy of military officer's ID card;

Compatriots from Hong Kong and Macao—Copy of Mainland Travel Permit and proof of residence for more than one year;

Foreigners—Copy of passport and residence permit for more than one year;

Supplementary card applicants under 16 years old - copy of household registration book. (Please be sure to provide)

2. Main card applicant’s work certification documents: such as the original work certificate issued by the work unit, a copy of the employment contract, a copy of the work levy, etc. (Please provide at least one copy)

3. Documents proving the income of the main card applicant: such as salary records issued by banks, income certificates issued by the unit, income tax withholding certificates, etc. (Please provide at least one)

4. Documents proving the financial resources of the main card applicant: such as self-owned real estate certificate, real estate mortgage payment certificate, self-owned vehicle driving license, vehicle mortgage payment certificate, car purchase invoice , a copy of our bank’s time deposit receipt, etc. (It will help improve the bank’s credit rating of you)

5. Documents proving the residence of the main card applicant: such as payment vouchers for utility bills such as water, electricity and coal in the past three months, mobile phone or landline telephone number, etc. Xunfei’s payment vouchers for the last three months, cable TV fees, property management fees, etc.

(It will help improve the bank’s credit rating of you)

6. Other supporting documents for the main card applicant: such as a copy of the professional title certificate, a copy of the professional qualification certificate, etc. (It helps to improve the bank’s credit rating of you)

Supporting documents required by Bank of China:

You need to submit the application form, the ID cards of you and the supplementary card and the guarantor Photocopies (foreigners must provide a copy of their passport and valid residence permit in Beijing, and compatriots from Hong Kong, Macao and Taiwan must provide a copy of their return permit and ID card) and a unit investigation letter must be submitted to the local Bank of China. Any organization or individual whose credit is not well understood or grasped by our bank should pay a deposit of 5,000-40,000 yuan (the deposit is not used at ordinary times, and interest is calculated as a time deposit).

Documents required by China Merchants Bank:

1. A copy of the identity document of the main card applicant. For domestic applicants, please provide a copy of the resident ID card. (We accept domestic residents aged 18 to 60 years old and foreigners aged 25 to 60 years old to apply for the main card)

2. For supplementary card applicants, please provide a copy of the identity document. Copy of resident ID card. (We accept applications for supplementary cards from people over 18 years old)

3. A copy of the overseas person’s passport or the Mainland Travel Permit for Hong Kong and Macao residents, the Home Return Permit for Hong Kong and Macao compatriots or the Mainland Travel Permit for Taiwan residents and their residence permit in the country Copy of work permit or temporary residence permit

4. Work certification documents, such as: copy of work permit, original work certificate issued by the work unit, copy of professional title, copy of professional qualification certificate, etc.

5 . Documents proving financial resources: such as: salary records issued by banks, original income certificates issued by the unit, income tax withholding certificates, self-owned real estate certificates, self-owned car driving licenses, copies of our bank's time deposit certificates, etc.

Certification documents required by CITIC Industrial Bank:

1. Copy of the applicant’s (primary and supplementary card) identity document. If you are an overseas person, please provide your passport (personal information page and visa validity page) , or a copy of the Mainland Travel Permit for Hong Kong and Macao residents, or the Home Return Permit for Hong Kong and Macao compatriots, or the Mainland Travel Permit for Taiwan residents;

2. Work certification documents, such as: a copy of the work permit with the official seal of the unit or the unit Original work certificate issued;

3. Documents proving financial resources, such as: the original income certificate issued by the unit, or the original bank deposit certificate, or a copy of the bank's salary record showing the applicant's name, or income tax Copy of withholding voucher, or copy of self-owned property certificate, etc.;

Note: The Bank may require you to provide additional documents for approval.

I hope it will be helpful to you~~ How to provide proof of assets when increasing your credit card limit

Copies of real estate and cars in your name. Already have your deposits, bank statements, and company salary certificates. Choose 2 of these or choose them all. Your limit is very high. Then call the credit card center and tell them that you need to provide proof of assets, and they will give you a fax number to fax these things to. It can take 3 to 5 days to improve. Can I apply for a CCB credit card by providing proof of employment and real estate?

As long as the conditions specified by China Construction Bank for issuance of cards are met, can the credit limit be increased by providing proof of assets?

Generally speaking, it is possible, but the key is It depends on the specific policies of your bank, each bank is different