How to apply for a credit card with a business license?

To apply for a credit card, you need to provide the following materials:

1. Proof of identity: usually an ID card (if you are using a new version of the ID card, a copy of the front and back sides is required), Soldiers need to provide a copy of their military ID;

2. Work certificate: It can be the original work certificate issued by the unit where you work (please indicate the specific company name, department, position and income, and stamp the company name Official seal or personnel seal), or a copy of the work permit/plate;

3. Proof of financial resources: it can be a bank salary record, or income tax withholding voucher, or documents proving the market value of houses, cars, deposits and investments. (such as a copy of the real estate certificate/car driving license/bank time deposit certificate) and other documents that can prove the level of financial resources.

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1. How to apply for a credit card with a business license:

1. It is difficult to apply for a credit card with only a business license. If you really need to apply for a credit card, it is recommended Go to a commercial bank, such as China Merchants Bank, China CITIC Bank, China Guangfa Bank, China Everbright Bank, etc., and bring your proof of income, proof of financial resources, ID card, and copy of your business license to the bank counter to apply for a credit card. 2. Identity certificate: usually an ID card, which must be between 18 and 65 years old and have full capacity for civil conduct;

3. Business license: generally required for more than half a year;

4. Proof of financial resources: bank account statements, income tax withholding certificates, or documents proving the market value of houses, cars, deposits and investments (such as real estate certificates/car driving licenses/copies of bank time deposit certificates) and other materials that can prove your financial level. .

2. How long does it take to apply for a business license before you can apply for a credit card:

For an individual industrial and commercial household business license, according to the individual industrial and commercial household registration procedures, the application materials submitted by the applicant must be complete and comply with the legal form. , the registration authority shall register on the spot, and if it is necessary to verify the substantive content of the application materials, make a decision on whether to grant registration within 15 days. For a partnership enterprise, according to the Registration and Management Measures of the People's Republic of China on Partnership Enterprises, a decision shall be made within 30 days to approve or disapprove registration.

For companies, sole proprietorships and other enterprises, according to the enterprise registration procedures, if the applicant or his authorized agent submits an application to the enterprise registration location for acceptance, a decision to approve registration shall be made on the spot. If it is necessary to verify the application materials, a decision on whether to approve registration shall be made within fifteen days from the date of acceptance. The normal time to apply for a self-employed business is 35 days, and some cases only take half a month. The main reason is that there are too many rejections. The main reasons for rejection are:

1. The store name of the self-employed business was registered first. (similar names).

2. The business scope is too general, not specifically marked, and not detailed enough (for example, technology: mobile phones and digital cameras should be written, and the details should be written).

3. If the address does not meet the requirements, the Industrial and Commercial Bureau will also reject it (this is to divide the address facade according to its own industry).

Can a self-employed person apply for a credit card? What credit card is good for a self-employed person to 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.

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.

How do I apply for a credit card if I open my own store?

Credit cards can be applied for through the bank counter, directly to the salesperson, or online.

1. Bank credit card application materials

1. Proof of identity

Usually an ID card (if you are using a new version of the ID card, a copy of the front and back sides is required) , military personnel need to provide a copy of their military ID;

2. Work certificate

It can be the original work certificate issued by the unit where you work (please indicate the specific company name, department, position and Income status, and stamped with the company's official seal or personnel seal), or a copy of the work permit/plate;

3. Proof of financial resources

It can be salary records issued by a bank, or income tax withholding Vouchers, or documents proving the market value of houses, cars, deposits and investments (such as copies of real estate certificates/car driving licenses/bank time deposit certificates) and other documents that can prove the level of financial resources.

4. Other documents available for reference include

social insurance personal account list in the past 6 months, water and gas bills, credit card bills from other banks, etc.

2. Bank credit card application conditions

1. The applicant should be between 18 and 60 years old;

2. Have a stable job and income;

3. Good personal credit record.

Extended information:

If the credit card you apply for is not opened, your credit will be affected

Not opening the credit card will not affect your personal credit, but not opening the card may bring other problems. Many banks now charge annual fees for credit cards even if they are not activated. If the cardholder has not activated it for many years, it is certainly impossible to think of repaying the annual fee. If such arrears last for a long time, it will inevitably lead to a bad credit record.

In addition, failing to open a credit card after placing it may affect your re-application for a credit card from that bank; if you do not need to use the credit card, it is recommended to cancel it.

Credit card cancellation:

1. Call the bank’s credit card center to inquire about cancellation matters;

2. Just use the phone to cancel the credit card;

3. Cancel the credit card at the bank counter:

1), prepare ID card;

2), pay off the debt;

3), Just go to the bank counter and handle the cancellation business.

Note: If you need to use your credit card after canceling it, you can apply again.

Baidu Encyclopedia - Credit Card

This ends the introduction on how to apply for a credit card for business and the difficulty of applying for a credit card for business. Have you found the information you need?