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

It is very difficult to apply for a bank card without a job. You need to submit personal ID card, deposit certificate, social security certificate, fixed asset certificate, credit report and other information.

1. Valid resident ID card. This is information that must be submitted whether you have a job or not, and like regular credit card applications, the applicant is required to be between 18 and 65 years old.

2. Certificate of deposit. If you don’t have proof of employment, you can provide your deposit certificate to the bank, because when you apply, the bank will judge your repayment ability based on your deposit information. If you have more deposits, then you can apply for a credit card The success rate will be much higher.

3. Social security certificate. If you don’t have proof of employment, it’s okay to provide relevant proof of social security to the bank, because now not only units can help purchase social security, but individuals can also purchase it, so the social security certificate can also be used as proof of credit card application.

4. Certificate of fixed assets. When applying for a credit card, you can provide proof such as a real estate certificate to the bank. The bank believes that after having a guarantee, it will approve your credit card application even if you have no job. If you can still provide water, electricity and gas for the past six months If the bank transfers money, the success rate of applying for a credit card will be greatly improved.

5. Credit report, no bad credit records.

Generally speaking, it is very difficult to apply for a credit card without a job. You can only convince the bank that the applicant has the ability to repay through proof of your property.

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

Things to note when applying for a credit card without a job:

1. Provide proof of your property

Banks have to consider risks when applying for a card, and what they are pursuing is nothing more than a The most important thing about the word "stability" is that we need to prove our ability to repay, and personal assets are the best proof.

The property certificates we can provide to the bank include but are not limited to our own deposit certificates, real estate certificates, flow certificates, etc. Before submitting a credit card application, friends can open an account at the card-issuing bank and deposit a certain amount of cash. Even if you find a way to borrow some funds first and then withdraw them later, it will be useful; if you are a homeowner, as long as you apply to the bank with the real estate certificate, you can usually easily pass the review; if the liquidity on hand is not enough to apply for a card, In terms of asset protection, you can also extend the "front line" as long as you have a bank statement.

2. Provide credit certificate to the bank

The credit report also reflects our repayment ability and willingness to repay from a certain perspective. If you cannot provide valid proof of employment, you need to provide proof of credit to the credit card bank you are applying for. This requires us to pay attention to accumulating our own credit, maintain rational consumption, repay in full and on time, and stay away from credit stains. A good credit report and no bad credit record can improve our card acceptance rate.

3. Apply during bank activities

In order to complete the task indicators during the bank's business promotion period, the salesperson will appropriately beautify our application even if we have no work. People's information helps us increase the card removal rate. This requires us to keep an eye on some local activities of major banks and strive to apply during the activities.

4. Give priority to online application

It is never recommended to apply online for large credit cards, but if we have no job and want to apply for a card, it is best to apply online. Because the online application requires less information, you can fill in the application information directly online without submitting additional information. However, the required card application information must be complete. If you don't have a job, you can ask relatives and friends for help, fill in their company information and landline phone number, and cooperate with us to complete a phone return visit to the bank.

5. Apply to banks that are easy to apply for cards

After testing, banks that are easier to approve cards: Communications, CITIC, Pudong Development Bank, Everbright (it is recommended to add the official WeChat on your mobile phone for instant approval), Guangfa, industry and commerce (fill in real estate company), construction, investment promotion, industrial development, safety, people's livelihood, and so on.

6. Apply for an additional card for a family member’s credit card

As the saying goes, “You borrow a chicken to lay an egg.” We can borrow the primary card of family members such as our parents, wife, or husband, and ask them to apply for a supplementary card for us. The supplementary card and the main card have an exclusive limit, and the main card will make the repayment, which is also more convenient to use.

7. Apply for a card with a card

Use an existing credit card to apply for a card with a card. For example, Ping An, Everbright, Bank of Communications, CITIC, etc. can all apply for cards. In this way, not only can the card be issued quickly, but the limit will also refer to the limit of the existing credit card. The limit of the new card is basically higher than the limit of the existing credit card.

How can homeless people get a credit card? Don’t use a credit card from your workplace

Banks review credit cards mainly to see whether the applicant has the financial strength to repay the loan. For unemployed people, because they do not have a stable job and income, credit card applications are easily rejected immediately. So, how do homeless people get a credit card? Is there any credit card that does not require work?

1. How do unemployed homeless people apply for a credit card?

For unemployed homeless people, the biggest obstacle to applying for a credit card is not having a job. However, if you can prove to the bank that you do have the financial strength, There is no problem with your credit, and there is still a chance to get a credit card.

1. Provide proof of financial resources

Banks are more likely to recognize real estate certificates, vehicle driving licenses, deposit receipts, financial management certificates or social security deposits by oneself. Even if you are temporarily unemployed, you have fixed assets as protection. Even if you have no money to repay the loan, the bank can also request an auction of your assets.

2. Apply with a card

This is a quick way to apply for a card. As long as you hold a high-limit credit card from another bank and use it normally, you can prove it. You actually have the ability to repay. Choose a bank that supports card application, such as Bank of China, Bank of Communications, Shanghai Pudong Development Bank, Ping An, etc.

2. Introduction to credit cards for unemployed homeless people

If you don’t have a job, it’s easy for your card to be rejected. So, in order to avoid bank rejection, it’s best to choose some credit card products that are easy to pass, such as New credit cards, low-level credit cards.

How to apply for a credit card without a job

Generally speaking, applying for a credit card requires meeting the following three basic conditions: 1. The applicant is over 18 years old and is a legal citizen of China; 2. Apply People need to have a stable job and sustainable income; 3. The applicant's personal credit status is good. The above three conditions are the basic conditions for applying for a credit card. If applying for a high-level credit card, the applicant also needs to meet other conditions stipulated by the bank. . So normally, applying for a credit card requires a stable job, but if there is no fixed income, it does not mean that the user will not be able to apply for a credit card. In fact, banks require applicants to have stable jobs, mainly to ensure that credit card users have sustainable income to repay credit card debts. Therefore, if you want to apply for a credit card without a stable job, as long as the applicant can prove that you have stable employment You can apply for a credit card if you have a source of income, or if you have sufficient financial resources and the ability to repay the credit card debt. Specifically, friends who do not have an employer can apply for a credit card in the following ways: 1. Make a deposit to apply for a card. If you want to apply for a credit card, you can deposit a certain amount of funds in the bank where you want to apply for the card, you can apply for a time deposit, that is, put the money in the bank card, and you can also purchase the bank's financial products, as long as the bank can see the application. As long as the person has relatively good financial resources. 2. Provide proof of running water. Credit card applicants can provide proof of transaction history to the card-issuing bank. If the transaction history is beautiful enough, it will also help to successfully apply for a credit card. 3. Provide proof of assets. If the person applying for the card does not have so many liquid assets, they can provide some proof of fixed assets, such as properties under their name, vehicles, etc., which will also be helpful for applying for the card. Article 108 of the General Principles of the People's Republic of China and Civil Law: Debt Repayment Debts must be repaid. If the debt is temporarily unable to repay, the debtor may repay it in installments with the consent of the creditor or the people's ruling. Those who have the ability to repay but refuse to repay shall have the people's judgment to compel repayment.

How should I apply for a credit card if I am not at work?

You can apply for a credit card even if you don’t have a job:

1. Submit your deposit certificate to the credit card application platform. Regardless of whether the applicant is employed or not, providing proof of deposit is a must-master card application skill. If you don't have a job and only provide your ID card, you may only be able to apply for a credit card with a very low limit. Therefore, before you apply for a credit card, you can open an account at the card-issuing bank and deposit a certain amount of cash. This can prove your repayment ability to the bank, which can effectively improve the success rate of applying for the card!

2. Provide the bank with proof of fixed residence. Having proof of residence is also particularly important when applying for a credit card without a job. Even if there is no fixed employer, as long as the applicant can prove that he has a stable real estate title certificate, he can often be favored by banks. If it is a rented house, the applicant can provide a public rental housing rental agreement, which can also effectively increase the success rate of applying for a card.

Please provide proof of credit. In the absence of a job, you can provide credit certificates to the card issuer. As long as you can prove that you have good credit, it is not a problem to successfully apply for a card. However, if you want to accumulate your own credit, you must pay attention to accumulating your own credit in normal times, maintain rational consumption, repay in full and on time, and stay away from credit stains.

Please give priority to online application. Applicants without a job are best to choose online application channels to apply for a card, because many bank branches require proof of employment stamped with the company's official seal to apply for a card. If you cannot provide it, your card application will not be successful. When applying for a card through the online application channel, you need to fill in the application information directly online. There is no need to provide additional information, but please note that the information required to be filled in must be complete. If you don't have a job, you can ask your relatives and friends for help, fill in their company information, and cooperate with the bank to call back.

That’s it for the introduction of how to apply for a credit card for unemployed people.