How do self-employed individuals apply for a credit card?

To apply for a credit card, you need to meet the following conditions. Whether it can be issued depends on the personal credit review:

1. There is no bad credit card Credit history.

2. Have normal income and be able to repay the loan on time.

3. If you can provide proof of property or bank deposits, it will help the bank to issue credit cards and increase the limit.

Application method: For the security of personal funds and information, please go to a bank branch or the bank’s official website to apply.

See the following regulations:

Age requirements: between 18 and 65 years old;

2. Income and asset requirements: have a stable career and Income;

3. Credit and ability requirements: good credit and the ability to repay interest on time;

4. Have full capacity for civil conduct;

5. Provide original copies of various documents.

It is recommended that you go to some small banks to apply, do not go to the four major banks, you will definitely not be able to pass.

How do I apply for a credit card as a self-employed person? How do I apply for a credit card as a self-employed person? If you are an individual business owner, you need to provide your business license and copy, ID card and copy, debit card and copy. Some banks also require you to apply for a credit card. After the industrial and commercial households provide tax registration certificate, three-month tax payment certificate and other information, the chances of the card being approved will be very high.

If you are an undocumented self-employed person, then if you have savings, real estate, and can show real estate certificate or asset certificate, you have a high chance of getting the card.

Similar to applications that can provide proof of employment, the four major state-owned banks, ICBC, Bank of China, Agricultural Bank of China and China Construction Bank, have higher thresholds for applying for credit cards. CITIC Bank, China Everbright Bank, Shenzhen Development, China Merchants Bank and China Guangfa It is easier to apply to commercial banks such as banks.

As long as the information you provide is true, it is not too difficult for self-employed individuals to apply for a credit card.

How do I apply for a card if I am an undocumented self-employed person and have a credit card from another bank?

Currently, only 5 mainstream banks support it: Bank of China, Bank of Communications, China Guangfa Bank, Ping An Bank, and Shanghai Pudong Development Bank. To apply for a card by card, when applying for a card from these banks, the applicant can provide a credit card from another bank that has been used for at least 3 months (different banks, such as Shanghai Pudong Development Bank regulations: hold other bank’s credit card for more than 1 year), and go to the counter If the card usage record is good and there is no overdue payment, the card can be issued quickly.

What should I do if I am self-employed and have no job? There are two channels

To apply for a credit card, you need to have a stable job, and you also need to fill in your work unit and phone number, which is exactly what self-employed people least have. Nevertheless, as long as self-employed people master some skills, they can still apply for a credit card as they wish even if they don't have a job. Let's take a look.

For self-employed individuals, you can apply for a credit card online or offline. Different application channels require different things to pay attention to.

1. Apply for a card online:

Just apply through the bank’s official card application link, fill in the relevant information and submit it.

However, there is no self-employed option in the application form, so when filling in the company information, you should pay attention to the company address and company phone number. If you are self-employed with a business license, just write the address and phone number on the business license; if you don't have a physical store, such as opening a Taobao store, write your home address, as well as the landline at home or the landline of your relatives and friends, and wait for the bank to call and say that you are doing business. of.

The online application may require an interview. If you pass the preliminary review, just bring your valid ID card and the relevant materials mentioned in the interview text message. Remember to answer the correct questions.

2. Applying for a card offline:

It is relatively easier than applying for a card online. After all, many banks approve cards for self-employed individuals, who need to bring a business license, A valid ID card, tax returns for the past three months, bank statements, etc. that can prove your income. If you want to increase the success rate, you can also bring proof of financial resources such as real estate, cars, deposits, funds, stocks, bonds, etc.

However, if the self-employed cannot provide a business license, proof of income, etc., it is best to apply for a card online. The pass rate will be higher than applying for a card over the counter. The details are subject to the bank's review results. .

Can a self-employed person apply for a credit card? What kind of credit card should a self-employed person apply for?

Although a self-employed person does not have a job, he still wants to apply for a credit card. After all, having a credit card can help you do business when you are short of money. Turn around. However, it is not easy to apply for a card as a self-employed person, so if you want to apply for a card, you must choose a suitable card. Let me introduce to you how to apply for a credit card as a self-employed person.

Can self-employed individuals apply for a credit card?

Self-employed individuals can apply for credit cards. To apply for a credit card, individuals need to provide proof of employment. Self-employed individuals who are engaged in self-employment do not have proof of employment. They can provide their own business license and a copy of their ID card to apply. The details are as follows. ：

1. Business license and copy;

2. ID card and copy;

3. Debit card and copy;

4. Some banks also require individual industrial and commercial households to provide tax registration certificates, three-month tax payment certificates and other information.

Note: As long as the information you provide is true, it is not too difficult for self-employed individuals to apply for a credit card. Information that undocumented self-employed individuals need to provide when applying for a credit card: If you have savings and real estate, and can show proof of real estate or assets, you will have a high chance of getting the card.

Reminder: The four major state-owned banks, ICBC, Bank of China, Agricultural Bank of China, and China Construction Bank, have higher thresholds for applying for credit cards. Commercial banks such as China CITIC Bank, China Everbright Bank, Shenzhen Development, China Merchants Bank, and China Guangfa Bank are still easier to apply for. .

If you are a self-employed person, you can consider these three credit cards:

1. Ping An Bank Car Owner Card

If you have a car under your name as a self-employed person, you can consider this Ping An Car Owner Credit Card , this card is a gold card level with a relatively objective limit. There are two types: UnionPay card and MasterCard UnionPay dual currency card. The annual fee is 200 yuan/year, which is not waived in the first year. If you spend 30,000 yuan, the annual fee will be waived in the following year.

This card can provide cardholders with a 12% discount at over 8,000 gas stations in 48 cities across the country, 500 points = 1 yuan discount for Ping An auto insurance premiums, and free roadside assistance services within 30 kilometers each time. etc.

2. China Merchants Bank YOUNY Card

If you are a self-employed person under 30 years old, have just started your business, and your financial strength is not strong enough, you can apply for this young card and apply for this credit card online. It is also very easy to apply for the card, just fill in the application information.

It should be noted that when filling in the unit address, you can write the address on the business license, the unit phone number is the landline of the store, and the annual income is the annual operating income. You can write a higher point appropriately.

This card can enjoy CMB’s food, drink and entertainment discounts, and the points are permanently valid. The cash withdrawal limit is 100, and the first cash withdrawal per month is free of charge.

3. China Guangfa Bank True Love Card

Female self-employed women can consider this True Love Card. This card is the first female-only credit card in China and has been known for its unique 3x points from selected merchants. The model makes many female consumers put it down.

From this point, we can also see how much attention Guangfa Bank pays to female credit card holders. Therefore, when female card friends apply for the Guangfa True Love Card online, it can be said to be almost smooth, as long as the card friends can Provide proof of stable income and personal information, and the card won't turn you away.

Is it easy to apply for a credit card as a self-employed person? Is it easier to apply for this?

As we all know, to apply for a credit card at major banks, two basic conditions must be met. One is that you must be 18 years old and above. Above all, the second is to have a stable job and source of income.

It seems that this is for office workers, so is it easy to apply for a credit card as a self-employed person?

First of all, we need to understand that self-employed people are not considered high-quality customers of banks, but it does not mean that they cannot get a credit card. As long as they have good experience and good conditions, it is still possible. In addition, we want to increase the chance of successful application. If so, you need to prepare the following materials when applying:

1. Self-employed business license

Provide a copy of the business license and submit it to the bank as application materials, but please note that , the business license must be valid for more than 6 months and within the validity period.

2. Relevant financial certificates

Self-employed individuals also need to prepare financial certificates, including bank statements for public accounts and the lease contract for the landlord’s store. The lease must be signed during the lease period. The longer, the better.

In addition, there is proof of assets in the applicant's name, making it much easier to apply for a credit card, including but not limited to real estate, cars, certificates of deposit, stocks or financial products, etc.

Whether it is easy to apply for a credit card as a self-employed person or not, the most important thing is to see whether you have relevant proof of financial resources. Introduction,

You can apply for various credit cards safely and quickly.

How to apply for a credit card online as a self-employed person

Self-employed people are rich but do not have a job, so it is easy to be rejected when applying for a credit card. However, this does not mean that the self-employed have no connection with credit cards. As long as they master some card application skills, self-employed people can easily apply for a credit card.

But the problem is that there are many channels to apply for a credit card. Many self-employed people often do not have time to go to the bank counter to apply for a card, so they want to apply directly online. So, what should be done to successfully apply for the card? ? Let’s take a look below.

Applying for a credit card online is convenient and fast, but there are several hard conditions, requiring applicants to have a stable job and income. Obviously self-employed people cannot meet this standard, but fortunately, applying for a credit card online only requires filling out a form. That’s all. No work documents, income certificates, etc. are required.

When filling in the form for a self-employed person to apply for a credit card online, please pay attention to these two points:

1. Work address and work phone number

Some self-employed people fill in this part of the form. Xiang Hui is confused. He obviously doesn't have a job, so where can he find his work address and work phone number to fill in? In fact, these two items are not a big problem.

For self-employed individuals with a business license, the unit address can be filled in with the address on the business license. If you open an online store, you can only fill in the home address or the store of a family member or relative. It should be noted that the work address filled in usually defaults to the receiving address. If the place is far away from your current location, then you have to use your brain to send it on your credit card, call the bank to say that the shipment is lost, and ask for replacement. Send a credit card.

After the work address is solved, look at the work phone number again. If there is a landline in your store, write it from the store. If the store doesn’t write it from home, it’s fine. If you don’t write it from home, it won’t be from a relative or friend. If so, write down the phone number of the business store you know. These calls must be reachable, and you must greet them in advance to avoid not receiving a return call from the bank.

2. Personal income

Personal income in the credit card application form is also a required item. If you are working, just fill in your annual income. If you are self-employed and have no job, just fill in your business income. This It’s okay to write more. As for other form-filling items, you can make them up based on the actual situation.

Special Tips:

1. Applying for a credit card online is generally only supported by customers who apply for a main card for the first time. For example, in the case of Bank of Communications, customers who already hold a card must go to the counter to apply for a card.

2. To apply for a credit card online, you must apply for a bank with an outlet in your location. If there is no outlet in your location, it is best to find another bank.

3. After the applicant submits the application materials online, the Credit Card Center will complete the review within 15 working days and will make a return call in about 7 days. It is recommended not to miss this call.

That’s it for the introduction to the tips for applying for a credit card as a self-employed person.