It is generally difficult to apply for a credit card without an employer unless you can provide strong proof of financial resources.

Online credit card application process:

The first step is for the applicant to log in to the official bank credit card website or personal online banking, enter the relevant credit card online card application page, and select the brand and features of the credit card to be applied for , media, grade, currency and other information to enter the formal application page.

The second step is to read the relevant credit card application regulations according to the prompts on the relevant page, and then complete the applicant's personal name, ID number, family situation, work situation and other basic information according to the relevant requirements, and press You need to choose whether to activate relevant credit card additional services.

In the third step, after the online application is completely submitted, the relevant bank departments will review the applicant's information, and the applicant can check the card application progress through telephone banking and the Internet. In terms of review and approval time, the review speed of each bank is different. Bank of Communications and CITIC Bank's online card processing can issue cards on the same day at the earliest, while China Merchants Bank's credit card review and issuance takes approximately 7 to 15 working days.

The fourth step is that after the bank completes the review, the applicant will first receive a text message from the bank informing them of the review results and approval limit. If the review is successful, you will generally receive the credit card sent to the designated location or receive a card collection notification from the agreed card collection outlet within 3 to 7 working days. Subsequently, the applicant can bring his valid ID and card letter to any bank branch of the card-issuing bank or the counter of the agreed branch selected in advance during the online application to complete the credit card activation and password setting.