The necessary conditions for handling a credit card are to meet the age limit, have a stable income and have a good credit. Among the materials to be submitted for credit card processing, identity certificate is necessary, and other work certificates and income certificates are optional. Therefore, if you have a stable income and can prove your income to the bank, even freelancers can apply for a credit card. You can refer to the following suggestions:

1, deposit deposit. No matter which bank you deposit, you can use it as proof of assets when you apply for a credit card. However, it should be noted that 65,438+20,000 is definitely not enough, at least 50,000 is a time deposit, and the higher the amount, the better; If this deposit belongs to the same bank as the credit card you want to apply for, the success rate of handling the card will be greatly increased.

2. If there is no fixed deposit, first choose your favorite bank and deposit a sum of money 1 month before you apply for a card. As the saying goes: Cary has money, but banks don't panic. This is a reassurance for the bank. This method needs to cooperate with the bank flow within 6 months.

3, there is a car owner card. Compared with the complicated information that ordinary people need to provide when applying for a credit card, the owner's card provides less information and only needs a driving license, so the success rate of application is much higher than that of ordinary credit cards. Guangfa owner card can also enjoy free road rescue, optional refueling concessions and other special services, which is really a must-have card for home travel. Note that only the family car under my name can apply for the owner's card, and the van and bus can't apply.

4. There is really no money at hand, so provide a way for reference: First, choose commercial banks that are easier to handle cards, such as China CITIC Bank and China Everbright Bank; Then choose a fixed time every month to deposit your salary, preferably with a stable amount every month, and try to keep the deposit slip; After the last six months, I will apply for a credit card with a deposit slip and a debit card.

5. Other available reference materials include lease contracts, water and electricity bills, etc.

6. The success rate of applying for a credit card will be much higher than the above points. The reason is simple: the initial purchase amount of bank wealth management products is 50,000. If you have spare money to manage your finances, at least your financial situation is good. In addition, financial management contributes a lot to the income of banks, so it is the best shortcut for freelancers to apply for credit cards.