Retirees can apply for a credit card, as long as you are under 60 and can meet the basic conditions for applying for a credit card. But because of retirement, I can't get the work certificate of my work unit, which is more troublesome.
You can try to submit other relevant economic certificates to prove your ability to repay, but the amount applied for in this way is generally not very high.
But if your father really wants to use a credit card, you can apply for a credit card for him without worrying about the amount.
Novices can apply for credit cards in the following ways:
1, go to the bank counter. It is necessary to prepare the applicant's valid documents, as well as some bank cards that have been handled in the bank before, as well as income proof materials, personal credit information and other materials. Select the type and level of credit card you need, fill in the application form at the bank counter and submit it to the bank for review together with your personal data. The bank will review the applicant's comprehensive situation and decide whether to pass the application. If approved, the bank will inform the applicant and explain the delivery time of the credit card. Applicants can use credit cards after activation.
You can apply for a credit card in online banking. You can choose to apply for credit card business in the issuing bank's online banking, fill in the form, provide the required information, and wait for the bank's approval. After approval, the bank staff will mail the credit card.
How do retirees apply for credit cards? You can try these two methods.
There is an age limit for applying for a credit card. You can't apply at the age of 60 or 65, and in order to ensure that the applicant has enough repayment ability, you must have a stable income to apply. And some people are retired, but they are still within the age of getting a card, so can they also get a credit card? Let's have a look.
In fact, according to the normal situation, banks will not handle credit cards for retirees, even if they are minors, but considering that retirees' pensions are not very high, the elderly are prone to health problems, and it is very risky to handle them. However, if retirees really want to apply for a credit card, they can try these two methods.
1. Apply by yourself:
Retirees can apply for credit cards online as long as they are not over the age of card application. There is no difference between the application process and the card application in peacetime. Just fill in the application form and submit it The work unit still writes the information of the company that worked before retirement, and then waits for the bank to review it.
It should be noted here that online credit card applications are usually reviewed by calling the company's landline. Retirees must have a good relationship with the company's front desk and send the information they fill in when they apply for a card to the front desk, so that when they call the bank, they can answer customer service questions according to the information filled in above.
As long as the electronic exam is passed, there is basically no problem in handling the card. However, it may be necessary to go to the interview. In order to improve the success rate of face-to-face interview, in addition to providing valid identity documents, it is best to provide some financial certificates such as real estate license and driver's license.
Step 2 get a supplementary card
If your card application is rejected, you can ask your child to apply for a supplementary card for you. Retirees only need to provide their own identification to fill in the application form, which is easy to approve cards.
However, the disadvantage is that the supplementary card and the children's main card share the quota, which will affect the children's credit after the deadline, which needs attention.
Can the credit card retirees of CCB increase the quota?
Credit card retirees of CCB shall not increase the quota.
Cash withdrawal method of CCB credit card: 1. Increase the credit card limit, swipe your card frequently, and the bank will automatically increase the credit card limit if you spend more.
2. Repay on the specified repayment date to avoid overdue credit cards.
3. Increase the credit limit and remember to top it up as much as possible when swiping the card. For example, if the credit line is 20,000, try to brush 1.5 million.
4. When appropriate, the bank will automatically increase the credit card limit by installment and installment repayment. CCB Credit Card is a credit card issued by China Construction Bank.
How to deal with retired employees and how many credit card limits can I apply for?
Hello, card application conditions and required information:
Conditions: Applicants should be 18~60 years old (foreigners are 25~60 years old), have certain economic ability and good credit record. Please refer to the actual audit of our credit card application results.
Information: copy of our credit card application and ID card (foreigner: passport and residence permit or employment certificate; Taiwan Province people: Taiwanese certificate, employment certificate; Hong Kong and Macao people: Home Visit Permit and Employment Permit/Residence Permit) and the work certificate issued by the unit.
In addition, it is helpful to improve the credit limit by providing the following information, such as: a copy of the running list of China Merchants Bank's savings account in the past three months; Original proof of asset balance of wealth management account opened by China Merchants Bank; A copy of the property ownership certificate (including my name)+a copy of any water, electricity and coal invoices of the property in recent 3 months; A copy of my driver's license.
At the time of preliminary examination, comprehensively evaluate the credit card limit according to the information attached to your application and your specific situation. Please refer to the evaluation results for the specific limit. The starting point of the credit line (fixed line) of our credit card is RMB11,000 yuan or equivalent, and the upper limit is RMB 50,000 yuan or equivalent. Under normal circumstances, the fixed amount of Puka is 1 1,000 yuan-1 1,000 yuan, and the fixed amount of Gold Card is 1 1,000 yuan-50,000 yuan. Generally speaking, the amount of a platinum card is a fixed amount of 50,000 yuan plus a temporary amount that is voluntarily adjusted for you every month. At this time, you can use the sum of the two parts for credit card consumption.
(You can consult any credit card service information of China Merchants Bank online through QQ or WeChat. Method 1: Search 4008205555 among QQ corporate friends, and add China Merchants Bank Credit Card Center as a friend; Method 2: Search "cmb4008205555" on WeChat, and pay attention to China Merchants Bank Credit Card Center. )
Is it okay for credit card retirees?
18 years old and under 65 years old, with full capacity for civil conduct, stable job, annual after-tax income of not less than18,000 yuan, in line with the good credit record of the credit card issuer China People's Bank, and can provide valid certificates and work certificates, the income certificate can be processed. Landlord, as long as these conditions are met, you can handle it.
Can retirees over 60 apply for a credit card?
Retirees under the age of 65 who meet the requirements of the bank can apply.
The requirements for applying for a credit card are as follows
1, age requirement, age between 18 and 65.
2, income, asset requirements, a stable occupation and income.
3, credit, ability requirements, good credit and the ability to repay the principal and interest on time.
4. Have full capacity for civil conduct.
5. Provide the originals of various certificates.
Extended data:
How to use the credit card
1. Ask a credit card salesman or lobby teller to fill out the application form. The other party will ask you to fill in the application form when your conditions make it possible to approve the card, and then submit the above information to the bank for approval. Whether or not to approve the card and the amount of the card depends on the comprehensive score of the bank.
2. The application place, local bank outlets, credit card center staff of local banks, ICBC and CCB supported official website's application. The application conditions are 18 years old and stable repayment ability.
3. Submit proof, ID card, work certificate or income certificate, company phone number, home phone number and my mobile phone number, tax payment certificate, proof of assets such as real estate and vehicles under my name, and other bank credit cards. The entry standards of each bank are different. It is very important to see the requirements of the bank and the proof of work or income.
Baidu encyclopedia-credit card
This is the end of the credit card quota for retirees and the credit card quota after retirement. I wonder if you found the information you need from it?