You'd better not go to the counter early to ask for it. You should apply to the credit card clerk at the bank over there. He will tell you how to prepare the materials. The application is easier to pass.
Question 2: overdraft card, without a job, can apply for a real estate with assets, and has a large bank deposit (more than 20W). Just ask the bank lobby manager directly.
It's even harder if you don't have any work certificates. It is recommended to apply for a popular ICBC card first (as long as you have an ID card, the initial amount may be very low, 0 or 10 yuan). When used as a debit card, deposit first and then swipe. If the consumption exceeds 2,000 yuan in one year, it will be raised to 2,000 yuan. I will increase the quota according to your consumption situation in the future.
Question 3: Can I apply for overdraft card without a work certificate? It doesn't matter whether you have a work certificate or not. What matters is whether you have a stable job or not. If there is no work certificate and no job, it will not be easy. One of the basic conditions for getting a card is to have a stable job and income. Without it, you can hardly do it. However, if you can't provide proof of work, you actually have a stable job and income, and the unit also pays five insurances and one gold continuously, so you can apply for it, and it is more likely to apply for a credit card.
When auditing, banks should not only look at your work income, but also audit your credit records and other assets. In addition, they must be at least 18 years old and not more than 70 years old, and have full capacity for civil conduct.
Check for yourself to see if you meet the basic requirements. If you meet them, you can apply.
Take the construction behavior as an example, you can apply at the outlet or on the website.
The relevant materials required by outlets to apply for cards include: 1, a copy of ID card, and 2. Proof of income (such as copy of personal income tax withholding certificate or tax payment certificate, copy of provident fund payment record or payment list) or personal assets (such as copy of local real estate ownership certificate, car purchase/use invoice, copy of People's Republic of China (PRC) (PRC) motor vehicle driver's license, savings passbook or deposit certificate, etc. ) or professional and technical certificates (such as copies of professional qualification certificates assessed or recognized by national authorities, including certified public accountants, certified auditors, lawyers' licenses, etc. ) is a non-local household registration applicant. (For example: local property certificate, copy of social comprehensive insurance statement (more than 6 months), education certificate, etc. )
Website application is to log in to the credit card homepage of CCB, click "Credit Card Online Application" on the left and fill in the application form. This method is more convenient. If you don't verify the Internet Shield when you apply for it for the first time, the bank will inform you to go to the nearest outlet by SMS or telephone. You only need to provide personal proof, and you don't need other economic proof.
Question 4: How to handle overdraft card without a work unit? If it's urgent, discuss it with my parents and get it. The salary card can be done.
Question 5: There is no work unit. No formal job. Can I apply for overdraft card? How to deal with it. What are the requirements? (China Merchants Bank) At present, the most important condition for applying for a credit card is that you have reached the age of 18-60 and have a stable job and income. The necessary application documents are copies of your identity certificate and work certificate. If you can provide other financial documents, it will be more helpful for us to understand your personal situation and judge the credit limit.
If you don't have a job and belong to a private enterprise, you can provide your personal business license and tax bill for the last three months, and you can also provide other financial certificates, such as: proof of income tax withholding; Copy of self-owned real estate license; Copy of self-owned car driving license; Bank certificates of deposit and other information that can prove your economic level.
If you are not employed or self-employed, you can't apply for our credit card for the time being. If your parents hold our credit card, you can apply for their supplementary card. You are also welcome to apply for our credit card after work.
If you have any questions about other credit cards of China Merchants Bank, you can add QQ Corporate Customer Service (4008205555) or WeChat (China Merchants Bank Credit Card Center) for consultation. Thank you for your concern and support for China Merchants Bank!
If you meet the requirements, please log in to ccclub.cmbchina/...012150 and try to apply. Remind you that the credit card verification status is subject to the final audit result.
Question 6: I don't have any job. Can I apply for a credit card? To apply for a credit card, you must have a permanent job. When submitting the application form, please attach the following necessary documents so that the bank can accept the application in time and accurately evaluate the applicant's credit status.
ID card: Copy of ID card (military personnel need an officer's card). The main card applicant must be 18-60 years old.
Salary certificate of work unit: it can be issued for the work unit where the applicant works (with the financial seal or official seal of the unit required), a copy of work permit or a copy of work permit with my photo, a business card, etc.
Financial proof helps to obtain a higher credit limit:
Copy of self-owned property certification document
Original and photocopy of motor vehicle driving license
Copy (discount) of bank time (living) deposit certificate.
If you are a college graduate and have no job, you can apply for a Y-POWER credit card at Bank of Communications:
The age of the applicant is limited to 18-30 years old.
1. Postgraduates and doctoral students are required to provide identity documents and student ID cards.
2. Those who graduated from junior college or above in 2003 (inclusive) can apply for a card only with a copy of their ID card, but it is best to attach their academic credentials to ensure the approval of the card.
3. In addition to the above two items, the applicant must also provide a copy of identity documents, proof of income and proof of property.
Question 7: How to apply for a credit card without a work unit? There is a way to get a credit card. ICBC's pig Fuka is 4 years 10 yuan, and the maximum price is 2,000 yuan, but this is not dual currency. You just need to apply for Guangdong Development Bank, and apply online. Now only this bank can apply online. As for filling in information casually, when I called you, I said I had a job. He can see your deposit certificate. This card is about 3000 yuan. Not very tall. With this card, you can apply for the Expo card of Bank of Communications, as long as you have used a credit card. The general limit is 1 10,000. Good luck with your credit card application. There are also ways to set up a bank. As long as you are a member of China Southern Airlines, China Southern Airlines will handle it for you, bypassing the normal procedures of the bank. The online consumption of Bank of Communications and Industrial and Commercial Bank of China is very easy to use, especially Bank of Communications.
Question 8: I have no job at present. Can I apply for a credit card? I'll tell you one, because I've made several, and I know the process of their bank handling credit cards. No stable job is not a problem. Let me tell you something. Do you have your own house or car? These things can be used to handle more than 65438+100000 credit cards, without worrying about the mortgage of the house and car. No mortgage, apply for a credit card. Without these, we need social security. If you don't have social security, I have a solution here. As long as you are over 23 years old, just find a place to advertise, carve a fake official seal, and then make your own work certificate (I will send you a bank work certificate format below). You can apply for a card at once, but the amount will be relatively low, generally around 2000, because I did it for my two friends at that time, and they all did it, both of which were 2000. Finally, I have another crooked way. If you are not in a hurry, try not to use this method, that is, you can inquire about the relationship and find someone to do it. Some people, who are very familiar with people in the bank, can get a fake driving license, real estate license or a card, but once they are found out, it is illegal, but the chances of finding out are relatively small. Finally, I will send you a bank work certificate format. Title: work certificate text: xxx people have worked in our company for 5 years, with an annual salary of 654.38+ 10,000. This is to certify that this credit card can only be used when handling credit cards in xx Bank.
Final signature: time, official seal and signature
Question 9: Can I go to the bank to apply for overdraft card without a job? Usually not.
Users need to have salary income to apply for a credit card.
However, some banks can use the real estate license as the financial proof of credit card application, and users can consult the bank to handle it.
Question 10: Is there no work unit that can handle credit cards? First of all, you need to know which banks can apply directly online, without the need for a salesman to check at home. You will only accept a telephone trial once. Generally speaking, if you have used a bank's credit card before and have a good use record, the pass rate of direct online application is very high. Similar to white households, Taobao sellers, self-employed, shopkeepers and freelancers can apply for credit cards in the following ways.
Fill in the application form first. Fill in your information normally. For those who have no job and occupation restrictions, the only problem is how to fill in the job column. Just fill in the supermarket/electronics factory/big factory/well-known real estate company you pretend to be.
For example 1: For example, the cosmetics counter of Dennis Department Store in Zhengzhou;
Full name of the company: Dennis Department Store Co., Ltd. (Xinzheng Store)
Address: XXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXX
Unit landline: write what you found by phone.
Competent department: Bleya Cosmetics Counter
Remember to write down your education when you are not as high as a junior college, no matter any bank!
Call back solution: Before you do this, you'd better talk to the supermarket front desk and leave your name, so that she can pay attention to the bank phone number when answering the phone. Just to prove it for you. Most people in the bar don't know you. You can also call the bar and say that you are XXX and which counter you are from. The premise is that whether you are faking it or making it up, you should at least know something about this counter. Generally, banks will not call supermarkets or shops, but will only call you to check the information.
Some users have reported that the comprehensive card issuance rate of this scheme is 90%, and this scheme is recommended!
Example 2: Foxconn Group, a big group around me;
Full Name of Company: Foxconn Group
Address: XXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXX
Unit landline: write what you found by phone.
Department: Maintenance Department
Remember to write down your education when you are not as high as a junior college, no matter any bank!
Call back solution: when filling in the information of such a big company around you, the group (company) is divided into many factories (departments), and the departments generally have extensions. You can call the group switchboard first, and then ask the personnel department what the phone number is manually. Banks generally know that it is particularly troublesome for such a large company to find personnel, and generally do not dial. Of course, it is not excluded that the bank will call, and the bank will call the personnel department. People in the personnel department generally say, well, it's my company/or I'm too busy to have time, which won't affect your card approval! Or according to the first scheme and the second scheme in Example 3! You can't use the third plan!
Example 3: such as the small electronics factory around me (the number is not less than100);
Company full name: Huang Hui Electronics Co., Ltd.
Address: XXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXX
Unit landline: write what you found by phone.
Department: R&D Department, Technology Department
Remember to write down your education when you are not as high as a junior college, no matter any bank!
There are three fixed-line solutions when filling in the information of small and medium-sized companies around you:
(1) Leave your company phone number. It's best for your friend to work in the company and leave the extension of his own production department (office) for him to help you get a return visit from the bank. Or let him take a bottle of water for a few dollars to the reception desk and leave your personal information and position! When the bank pays a return visit, as long as it answers, the pass rate of this plan is 90%
(2) If your friend is not working in the company, leave the phone number at the company doorman. Before you do this, bring two packs of cigarettes with more than 20 yuan to explain your situation. In general, as long as you pass the cigarette, it will help. The pass rate of this scheme is 90%
(3) If the company doesn't have your friends at work and you can't cope with the doorman, prepare two fixed lines, one for yourself, one for your friends, your own fixed line for the company, and your friend's fixed line for home. Remember to negotiate with your friends before you do it, and don't be fooled when the bank pays a return visit! The pass rate of this scheme is 80%.
To sum up, the most important thing is to solve your work unit and telephone problems. As long as the bank does not send a salesman to the door, you can choose the above method, and the pass rate is as high as 90%! ...& gt& gt