Is it easy for self-employed individuals to apply for credit cards?

As we all know, to apply for credit cards in major banks, the most basic requirements are to be at least 18 years old and have a stable job and income source. It seems that this is for office workers, so is it easy for self-employed people to apply for credit cards?

First of all, we should understand that self-employed individuals are not high-quality customers of banks, but it is not impossible to apply for credit cards. It is possible as long as they have good experience. In addition, if you want to improve the chances of successful application, you need to prepare the following materials:

1. Self-employed business license

Provide a copy of the business license as application materials and submit it to the bank, but it should be noted that the business license must be valid for 6 months.

2. Relevant proof of financial resources

Self-employed individuals also need to prepare proof of financial resources, including the bank flow of the public account and the lease contract of the landlord's shop. The longer the lease time, the better.

In addition, there is proof of assets in the applicant's name, which makes it much easier to apply for a credit card, including but not limited to real estate, car products, deposit certificates, stocks or wealth management products.

The most important thing for a self-employed person to handle a credit card is whether you have relevant financial proof. Introduction,

you can handle all kinds of credit cards safely and quickly.

I want to ask individual merchants what materials they need to apply for a credit card.

Self-employed individuals must first meet three basic conditions when applying for a credit card:

1. Age: between 18 and 65 years old, with full capacity for civil conduct;

2. Credit conditions: good credit, no bad credit record;

3. Income conditions: it has a stable source of income and can guarantee repayment on time every month;

The required proof materials are:

Business license with running water for more than one or six months: this is the key evidence for the bank to judge whether you have stable repayment ability, which is essential;

2. Identity card: generally, it is the identity card of an applicant with full capacity for civil conduct, and it cannot be a certificate that is about to expire or has expired;

3. Financial proof: it is optional, generally it is income tax withholding certificate, or documents proving the market value of house, car, deposit and investment (such as a copy of real estate license/car driving license/bank time deposit certificate) and other materials that can prove your financial level. Provided financial resources to prove that the probability of passing is higher.

Individual merchants are advised to go to commercial banks, such as China Merchants Bank, China Guangfa Bank, China CITIC Bank, etc.

a copy of the business license, proof of income, proof of financial resources and proof of identity are required. Generally, the business license is required to be more than 6 months.