Black households can apply for credit cards in the following ways:

1. In a bank with personal deposits, apply for a credit card with a limit of 0, and then take the initiative to save money in it for consumption, gradually covering the bad credit record. After the credit record becomes better, you can apply for an increase in the limit.

2. Apply for supplementary cards in the name of family members with good credit.

3. Wait five years, and then apply for a credit card after the personal credit record is updated.

Black households refer to people who have no household registration information, household registration card (resident registration card) and ID card in the national census. The total population of "black households" is about 654.38+0.3 million, accounting for 654.38+0% of the total population, which has become a major issue affecting social fairness and harmony. The corresponding policies of black households:

On June 20, 5438+0/6, 65438+ 10/4, the General Office of the State Council issued the Opinions on Solving the Registration Problem of Persons without Hukou. The "Opinions" suggest that those who give birth outside the policy or out of wedlock, or their guardians can apply for registration of permanent residence with the "Birth Medical Certificate" and one parent's household registration book, marriage certificate or explanation of out-of-wedlock birth, in accordance with the policy of voluntary settlement with parents. If you apply to settle down with your father and have no hukou, you need to provide a paternity test certificate issued by a qualified appraisal agency.

2. The Opinions specify eight categories of people without permanent residence registration, including those who do not conform to the family planning policy, those who do not apply for birth medical certificate, those who do not apply for adoption, those whose household registration has been cancelled after being declared missing or dead, those whose household registration has been cancelled due to marriage in rural areas, those who have lost or exceeded the validity period of their household registration certificates, and China citizens, foreigners and stateless persons.

3. In addition, the Opinions also propose that all relevant departments should conduct a centralized clean-up of policies and measures that are inconsistent with the spirit of this Opinion. Serious revision of the revision, resolute abolition of the abolition. Where the provisions of previous documents are inconsistent with the provisions of this opinion, the provisions of this opinion shall prevail.

Can a black account get a credit card?

Black households can apply for a credit card, but the chances of passing the application will be much lower than ordinary people; In fact, the so-called black households all have poor credit records, and those with poor credit records generally have arrears and refuse to return them; If you want to apply for a credit card, you will generally be rejected by the bank; In fact, it is difficult to apply for a credit card after becoming a black account, and it is also possible to apply for any bank loan. Therefore, it is very important to maintain good credit in daily life.

Credit card, also called debit card, is a credit certificate issued by a commercial bank or credit card company to eligible consumers. It is a card with name, expiration date, number and cardholder's name printed on the front, and a magnetic stripe and signature strip on the back. Consumers with credit cards can go to specialized commercial service departments for shopping or spending, and then the bank will settle accounts with merchants and cardholders, and cardholders can overdraw within the prescribed limits.

According to different card issuers, it can be divided into bank cards and non-bank cards.

Bank card. This is a credit card issued by the bank. Cardholders can shop and spend money at the special merchants of the issuing bank, or they can withdraw cash at any time at the outlets of the issuing bank or at places with ATMs.

Non-bank card.

This kind of card can be divided into retail credit card and travel entertainment card. Retail credit cards are credit cards issued by commercial organizations, such as department stores and oil companies, which are specially used for shopping in designated stores or filling gas stations. , and settle accounts regularly. Travel and entertainment card is a credit card issued by airlines, travel companies and other service industries, which is used for ticket purchase, dining, accommodation, entertainment and so on.

According to the different issuing banks, it can be divided into corporate cards and personal cards.

Company card. Company cards are issued to various industrial and commercial enterprises, scientific research and education institutions, state party and government organs, armed forces, organizations and other legal person organizations.

Personal card. Personal cards are issued to individual urban and rural residents, including workers, cadres, teachers, scientific and technological workers, self-employed households and other adult urban and rural residents with stable income sources. The personal card is applied in the name of an individual and bears all the responsibilities for its use.

According to the credit status of cardholders, it can be divided into ordinary cards and gold cards.

Ordinary card. Ordinary cards are issued to cardholders with average economic strength, credibility and status, and the requirements are not high.

Gold card.

Gold card is an advanced credit card that pays a high membership fee and enjoys special treatment. Card issuers are institutions with high credit, strong repayment ability, credit or certain social status. The starting point of gold card authorization limit is higher, and the additional service items and scope are wider, so the requirements for related service fees and deposits are higher.

Which bank can I apply for a credit card for a black account?

1, CITIC Bank: Credit cards of CITIC Bank are easier to handle. Just prepare your ID card, fill in the credit card application record online, wait for SMS or phone reminder, and go to the designated outlets in SMS or phone to review the information.

2. China Everbright Bank: For black households, China Everbright Bank is also a better application. When you apply for a form in official website, you usually know the result within half a month (including issuing a bank card for approval), and the result will be notified by SMS.

Extended data:

Skills for black households to apply for credit cards;

1. If you have a bad credit record due to overdue credit card, you must pay off the arrears as soon as possible if you want to apply for a credit card successfully, and you can't cancel the card and you can only continue to use it. Usually, banks will refer to the credit card records of the last two years when reviewing credit cards, so cardholders should continue to use their cards for at least two years, and keep good records of consumption and repayment during this period so that bad records can be covered by good records.

2. If it is a bank's black account, as long as it is not recorded in the central bank's personal credit information system, it will not affect the application for other bank credit cards. But it is best to start with a credit card that is easy to apply for, so as to improve the success rate of card processing.

3. If it is difficult to apply for the main card, black households can choose to apply for a supplementary card of their relatives' credit card, and the application conditions for the supplementary card are not as strict as the main card.