Methods for applying for a credit card without an employer:
1. If the user is an individual business owner, you can provide your personal business license and your most recent income statement and tax returns for the past three months. ;
2. Users who have certain assets, such as houses, cars, time deposits and other property certificates can apply for it;
3. Students who have just graduated and have no job can apply. Your parents apply for a supplementary card for you.
Basic conditions that need to be met to apply for a credit card:
Age requirements: aged 18 or above and not more than 65 years old, with full capacity for civil conduct;
Work requirements : Have a stable and legal source of income and be able to prove your ability to repay;
Credit requirements: Make sure your personal credit record is good.
Application materials required to apply for a credit card:
1. Valid identity document such as personal ID card;
2. Work certificate with company seal;
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3. Proof of financial resources: For example, bank salary records, income tax withholding certificates, documents proving the market value of houses, cars, deposits and investments, etc. that can prove your financial resources.
How to apply for a credit card without a stable job:
1. Provide a certificate of deposit to the bank
Whether you have a job or not, providing a certificate of deposit is a must. Master the skills of applying for a credit card. If you don’t have a job and just provide your ID card, you can only get a credit card with a very low limit. Before submitting a credit card application, cardholders can open an account at the card-issuing bank and deposit a certain amount of cash. When applying for a credit card, when the bank sees your deposit, it proves that you have a certain ability to repay, which can improve your success rate in applying for the card.
2. Provide property certificate to the bank
If you own a house, you can apply for a credit card even if you don’t have a job. Just take the real estate certificate to the bank to apply. If the applicant has a house, Yushengxi can get a very high score, so it is generally able to pass the review and be approved easily.
3. Provide proof of flow to the bank
If you don’t have that much liquidity on hand that can be used as asset protection for card applications, you can also extend the “front line” as long as you have one. Just a copy of the bank statement.
4. Provide a credit certificate to the bank
If you have neither a house nor a job, and your bank balance is not good, you will need to provide a credit certificate to the credit card bank you are applying for. , as long as you can prove that you have good credit, it is not impossible to get your application approved. Accumulating one's own credit requires individuals to pay attention to building up their own credit in daily life. Everyone must maintain rational consumption and pay back in full and on time to avoid credit stains.
5. Apply with a credit card
Some applicants have had a credit card before and can use this credit card to apply for a card. For example, Ping An, Everbright, Bank of Communications, and CITIC can all apply for cards. Not only can you get approval quickly when applying for a card, the credit card limit will also refer to the existing card limit, and the new card limit is basically higher than the existing credit card limit.
Pudong Development Youth Card, GF True Love Card, CITIC Beauty Card, etc.
6. Apply for an additional credit card for a family member
Ask your family to apply for an additional credit card for you. Your parents, wife, husband, etc., they can apply for credit cards because their main card can help them apply for supplementary cards. The limit of the supplementary card and the main card is exclusive, and the main card is mainly responsible for repayment.