How can I apply for a credit card if I don’t have money? I really want a credit card

The most important requirement for applying for a China Merchants Bank credit card is that you are between 18 and 60 years old (25 to 60 years old for foreigners). Have certain financial ability and good credit record. The result of credit card application shall be subject to actual review by our bank. The necessary application documents are copies of identity certificates and employment certification documents. If you can provide other financial documents, it will be more helpful for us to understand your personal situation and determine your credit limit. If you meet the application conditions for a China Merchants Bank credit card, you can try to apply for a China Merchants Bank credit card through the following methods: 1. Online application: Please open the official credit card website of our bank, select the horizontal menu "Apply for Credit Card" - "New Customer Application", and select your favorite After the card is installed, follow the prompts; 2. Please bring your original identity certificate, work certificate and financial certificate documents to any business outlet of China Merchants Bank for processing in person. 3. You can add "China Merchants Bank Credit Card Center" as a friend through WeChat and click "I want to apply for a card" to apply. 4. Call our credit card customer service hotline, select "3#" in the voice message to apply for credit card consultation, then select "1" to transfer the service specialist to register for you, and notify our local staff to contact you to confirm the application. The result of credit card application shall be subject to actual review by our bank.

Can’t I apply for a credit card if I don’t have a job? These 4 methods teach you how to get rid of cards!

As the saying goes, having money is not everything, but being without money is absolutely impossible. Credit card is a tool to avoid running out of money. This is the reason why many cardholders apply for a card, especially college students, freelancers and self-employed people who do not have stable jobs. Cardholders who have applied for a credit card are all familiar with it. When applying for a credit card, proof of employment is required. So how can you apply for a bank credit card if you don’t have a job?

1. What are the requirements for applying for a credit card?

Let’s first look at how the credit card customer service of several banks responded:

1. Guangfa Credit Card

There is a Guangfa Bank branch in your permanent residence, and you have a stable job and income. , if you are over 18 years old (not older than 65 years old), you can apply for a credit card.

Freelancers can apply at the branch, and the details will be subject to the review results. The bank will make a comprehensive assessment from career, income and other aspects. It will not only look at one item, but you can apply first.

2. Bank of Communications Credit Card

Have a fixed job and stable income, and be over 18 years old (if you apply online, you need to provide proof of work or income; if you apply online, you need to provide proof of work by mail) to the bank).

Retirees and housewives (not working) need to provide property and vehicle certificates.

3. China Merchants Bank Credit Card

Without proof of employment, you cannot apply for a credit card (deposits are proof of financial resources, not proof of income and proof of employment).

4. CITIC Credit Card

When applying for a credit card, you need to fill in your work unit and position. If you do not have it, you cannot apply. Even if you have a deposit, you may not be able to apply, so you can try first.

5. ICBC Credit Card

If you are not working when applying for the card, it is recommended to fill it in truthfully or apply at the counter of a bank outlet. The application results are subject to review by the local card issuer. The star rating (related to ICBC deposits) may play a certain reference role, but it is not the only criterion.

2. How to apply for a credit card if you don’t have a job?

It can be seen from the responses from the above banks that if you don’t have a job, you can apply for a card like this:

1. Apply for Guangfa or ICBC credit card at a bank branch. If you may have enough financial resources, you will be I've taken a fancy to it.

2. If you don’t have proof of employment, but have proof of deposits or housing or cars, you can try to apply for a Bank of Communications credit card; or the next best thing is to apply for a credit card from a city commercial bank.

3. “Packaging” proof of work.

It is best if your relatives or friends have opened a company. If not, find a company that is willing to help to issue a work certificate (you can find a universal treasure). Fill in the name and landline of the company in the application materials. Then there is a chance. But be careful, there are many scammers online, so be careful when they pretend to be applying for a credit card.

4. Apply for an additional card for your family’s credit card.

If your family members have credit cards and can apply for a credit card, you can ask them to help apply for an additional card. The supplementary card and the main card have an exclusive limit, and the main card will make the repayment when repaying, which is quite convenient to use.

Summary: If you don’t have a job and can’t apply for a credit card, you can try the above 4 methods. However, for those without stable income, it is recommended to quickly find a job before applying. After all, everyone knows how banks often behave. For college students, you can apply for a supplementary card for a family member's credit card, but you still need to use the card moderately and repay on time~

Author: Liu Tao/Reviewer: Zhao Xi See more

How to apply for a credit card

The first way to apply for a credit card is: the applicant goes directly to the bank counter to apply. If you apply at a bank, you must fill in the information directly. There are bank staff on site who can guide me in filling in the relevant information, which can avoid the problem of being rejected if the information is filled in incorrectly. At the same time, we can issue more qualification certificates and wealth certificates, which will help increase our final card purchase limit. However, the credit card review process at the bank counter will be relatively slow, because the information must be reported from the branch to the credit card center, and then the card center will review your information. Another way is to apply for a card online: Nowadays, when applying for a credit card, we can apply for it on the official website of the credit card. However, when applying for a credit card online, we have to fill in the information ourselves, which makes it easier to fill in the information incorrectly. was dismissed. However, online application is mainly convenient and you don’t have to go out. You only need a mobile phone or a computer to apply. There is another way to apply for a credit card: that is to apply for a credit card through the bank's credit card clerk. We often see these bank staff setting up stalls in shopping malls or other stores to promote credit card applications. This method of applying for a card allows you to receive prizes, but since they are all business personnel, their main purpose is to obtain performance, so we still have to carefully consider things that guarantee a high limit and ensure the card is issued, and not to believe too much. The process of applying for a credit card 1. Prepare the application materials. 2. After the materials are ready, you can go to the bank to apply or make an appointment online. 3. Then wait for the bank's approval. During the approval process, the bank will call the applicant to verify the information. 4. After the approval is passed, the bank will mail the card to the applicant. It will take about 3 weeks to get the card after successfully submitting the information. "Legal basis: Credit card business is a civil act. The General Principles of Civil Law, Contract Law, Criminal Law, People's Bank of China Law, Commercial Bank Law and other laws have principled provisions on credit card business. Chapter 5 of the "People's Bank of China Law" states that the People's Bank of China examines and approves the establishment, change, termination and business scope of financial institutions in accordance with regulations. Article 3 of the "Commercial Bank Law" has 13 items in its business scope. Credit goes to school. Businesses that fall under item 13 and are approved by the People's Bank of China are invalid and subject to corresponding criminal liability.

If there is no money in the bank card. Can I apply for a credit card if I don’t have money in it?

Yes. Whether you have money in your bank card has nothing to do with whether you want to apply for a credit card. The bank’s assessment of your overall creditworthiness mainly depends on you. The relevant business flow in the bank does not depend on whether you have money in the card. Applying for a credit card has nothing to do with your debit card. The credit card application approval rate and limit depend on the financial resources in your name such as real estate. Certificate, driving license, work income certificate, etc. The more financial resources you can prove, the higher the approval rate and card approval limit will be.

The advantage of a credit card is that you can overdraft for consumption if you currently have no funds. Just repay on schedule. That is, you can borrow money from the bank to spend in advance and pay it back later.

: Steps for applying for a credit card.

Process: Provide ID card and deposit (for some banks). Need to provide) and so on, then fill in an application form to the bank; generally, the credit limit granted by banks to applicants is 5,000 yuan, 2,500 yuan is a cash advance limit, and 2,500 yuan is a consumption overdraft limit; the card issuing bank will review the applicant's occupation, income , the authenticity of the guarantor, property, etc.

(In some cases, the company can issue a certificate to prove that the applicant is an employee of the company, so a guarantor is not required)

Be careful when applying for a credit card:

1. Fill in Be clear about the personal guarantee information;

2. The applicant's unit and the guarantor's unit must be stamped with the official seal of the unit; 3. The guarantor must be over 25 years old, and the guarantor must hold a valid personal identity certificate and have a stable source of income;

4. Husbands and wives cannot guarantee each other;

5. Copies of the applicant's and guarantor's ID cards must be pasted in the "valid ID section" of the application form;

6. The applicant and guarantor must sign at the signature place in the application form. If the company guarantees the signature, they must have a copy of the applicant’s company business license, the legal person’s signature and the company’s bank account in the past three months. A copy of the statement inside.

Credit card application process:

1. Fill in the form

2. Provide ID card (need to copy)

3. Each bank has different regulations Also provide documents proving your income or work, such as tax returns, employment license plate with complete elements (with photo, name of company, name), social security card, etc. If your company is willing to issue a certificate of work or income for you, even better, this is the most effective. Overdraft The interest is a daily interest rate of 5/10,000, which is an annual interest rate of 18. The longest interest-free period for repayment is 50 days and the shortest is 20 days. This is determined by your bill date. The shortest interest-free period is for consumption on the bill date. The interest-free period is the longest for daily consumption. If you don’t want to pay it off at once, you can pay it in installments. A certain interest is charged every month. The principal is amortized to each month. The monthly installment interest for each line is different. In some cases, the longer the installment period, the lower it is.

This is the end of the introduction about how to get a credit card if I don’t have money and what to do if I don’t have a credit card. I wonder if you found the information you need?