No one has no job, no income, and does not meet the basic conditions of joint card, so the application for credit card will generally be rejected. But it doesn't matter, it is possible to get a credit card as long as you master the packaging skills introduced.

First of all, determine which bank to apply for a credit card. Here is the introduction of CITIC Bank, because the application threshold of CITIC Bank is relatively low, and it can be handled with a business card and work permit, and the approval time is relatively short. However, the fly in the ointment is that the amount of card approval is not very high, but the three people focus on the card, and the amount is second.

Then, Shenka went to a large supermarket nearby and chose a counter to remember his information. Call 12580 to find out the phone number of this supermarket. Then apply generously. As long as the preliminary work is done well, this one is 100% success.

Then we started packing. As for how to package it, it is actually very simple, that is, to provide some proof, usually to provide proof of work.

Some people will say, "There are three people who have no jobs. Where can they get a license?" It's easy to handle and it doesn't cost money. After all, it is not difficult to buy a work permit, and there are many on Taobao.

Then the most critical step is to handle the return call from the bank. Generally, as long as the bank calls you to verify the information, it means that it is very promising. But if the information you answer is incorrect, you may lose all your efforts.

You'd better talk to the front desk of the supermarket, leave your name and ask her to pay attention to the phone number of the bank when answering the phone. Just to prove it for you. Then you go to the supermarket every day and wait for the phone call from the bank.

When you answer the phone, you must clearly remember the information on the application form, saying that the delivery address must be the counter address, and never say that it should be sent to the home address. After answering the phone, I waited for the bank to get off the card.

How to pack the credit card? There are a few tips to share with you.

1, there are no difficult credit cards, only people who can't pack. Many people who want to apply for a credit card usually encounter such a situation: the application for a credit card is repeatedly rejected until they finally lose confidence! Even if the quota is finally approved, it is pitifully low. Why?

2. In fact, we all know that each bank will have its own scoring system for credit card review. We will comprehensively examine the applicant's work income, personal data, assets and liabilities, credit information, social security provident fund and so on. , and will judge whether to grant you a card and how much according to the comprehensive score of the user.

3. Many people actually don't know much about credit cards and loans. Even if they have good qualifications, they only have a quota of 58,000 yuan. Not to mention people with average qualifications and financial resources, it is more difficult to be a high quota. Therefore, the operation technology is very important. Consult and choose the online loan that suits you, and don't spend it on credit investigation or big data, which will affect the bank credit card business in the future.

How to package credit card information

It is recommended to provide true and effective personal information, and it is also possible to have certain economic proof without a work unit.

Credit card application conditions:

1, age18;

2. Hold a valid ID card;

3. No bad credit record;

4. Have a fixed work certificate;

5 proof of income stamped with the financial seal of the unit;

6. Other financial certificates, such as bank deposits, real estate, automobiles, stocks and bonds. ;

7. Social endowment insurance certificate;

8. Provide two contacts.

The first three conditions must be met. Try to provide 4-8 pieces of supporting materials, which can specifically include the following information, be as selective as possible, ensure the smooth passage of the audit and increase the amount of information.

How to package personal credit card application materials?

Application conditions:

At least 18 to 60 years old, with full capacity for civil conduct;

Have a good credit record;

Have working income and repayment ability.

Application materials:

Identity information: copy of resident ID card or military officer's card;

Proof of work and income;

Other financial certificates: such as a copy of real estate license, a copy of automobile driving license, a copy of deposit certificate, etc.

Credit card application method:

Counter application:

Bring a credit certificate to the counter to apply:

Applicants need to submit relatively complete asset certification documents, and submit the materials to Industrial Bank, which will be audited by the bank's background audit department;

After approval, fill in relevant materials and identity information;

Issue credit cards.

Online banking application:

The applicant uses personal savings card account to open online banking and enter official website of Industrial Bank;

Enter the login password and verification code to enter the online banking page;

Click "Credit Card Service", you can choose to apply for a credit card under the credit card service page, fill in the information and submit it, and the review progress and results will be displayed on the online banking;

After approval, credit cards will be issued.

Counter processing flow:

Go to the bank outlets that handle credit cards, or find the staff of the credit card center of the local Construction Bank and fill out the credit card application form. The contents of the application form generally include the applicant's name, basic information, economic status or income source, guarantor and its basic information;

Submit copies of certain certificates and vouchers to the issuing bank;

After the contents of the application form are truthfully filled in, relevant credit certificates shall be submitted at the same time as the application form is filled in;

A credit card contract is attached to the application form. The applicant authorizes the issuing bank or relevant departments to investigate its relevant information, submit a statement on the authenticity of the information, and the privacy protection policy of the issuing bank. , and must have his signature;

The credit card processing process is basically completed, waiting for the issuance of credit cards.

How to apply for a credit card and what do you need?

The credit card processing method is as follows:

1. Prepare materials. When you go to the bank to apply for a credit card, you must first prepare the corresponding processing materials, which generally include the original ID card, work certificate, income certificate, etc.

2. Go to the bank to get the number. After you prepare the information, you need to choose a favorite bank outlet and go to the bank self-service number machine to get the number during working hours, ready to handle the business.

3. Fill in the card processing information. Generally, you can ask the bank lobby manager how to fill in the information after taking the number, and fill in the information according to the tips of the staff and the template provided by the bank. The required information is accurate and cannot be erased.

4. Submit information. Fill in the corresponding information and wait for the phone call from the bank counter. After getting the number, go to the counter to submit the information needed to apply for the card and wait for the bank to review it.

5. Anti-audit. After receiving your audit data, the counter staff will review the data according to the corresponding regulations of the bank to see if it meets the conditions for handling credit cards. If there is, it has passed the audit. If you can't do it, it will tell you why.

6. Hairpins are activated. If the bank has issued a card, the bank counter staff will send it to you in time and help you activate it. Since then, your credit card has been successfully processed.

Extended information:

First, the advantages and disadvantages of doing a credit card:

(a) Benefits of credit cards:

1. If there is no deposit for overdraft consumption, you can enjoy an interest-free period of 20 to 56 days.

When shopping, you will get points as a gift.

3. Special merchants who hold cards in banks can enjoy preferential treatment.

4. Accumulate personal credit, and credit records can be added to credit files.

5. You can withdraw money or swipe your card at ATMs and POS machines with UnionPay logo.

6. Some credit cards accept existing points.

7. Mail the statement free of charge every month.

8. Accessory card function, you can manage your finances together, and you can also master your child's financial expenses.

9. In the form of one card and two coins, you can repay in domestic RMB when you spend abroad.

10, 24-hour service hotline, loss reporting takes effect immediately.

1 1. Cooperate with third-party platforms to provide preferential services for cardholders.

(2) Disadvantages of credit cards:

1. Credit cards can easily lead to excessive consumption.

2. The annual interest rate of credit card is relatively high.

3. Credit card debt will bring mental stress.

4. If the credit is bad, the cost of borrowing money will be higher, or even you can't borrow money.

I want to apply for a credit card. Who can help pack?

You can contact the local offline credit card salesman and they will help you pack it properly.

As long as you are old enough and have a stable job, you can apply.

If your qualifications are really poor, it will be difficult to get rid of your card. Don't believe that going through the formalities is more routine than getting off the bus to get a card.

So much for the introduction of how to package and handle credit cards.