For friends who don't have proof of income, banks generally don't approve credit cards. Even if they do, the credit limit will be very low or even zero. Different banks have slightly different standards for handling credit cards without proof of income. For example, CCB stipulates that if you can't provide proof of income required for the application, you can choose a guarantor or pledge guarantee to apply for a card (except for other high-end products such as diamonds and platinum).

Pledge guarantee refers to handling the card by means of deposit or pledge right certificate. The initial deposit amount is RMB 5,000 (inclusive). Pledge rights certificates include: RMB lump-sum time deposit certificate opened in CCB and voucher-type treasury bonds issued by the Ministry of Finance after CCB issued 1999.

If you apply for a card through a guarantor, the guarantor must be a China citizen with stable income and repayment ability between the ages of 22 and 60 (excluding); At the same time, I have a job in the local area, a hukou, my own property and a fixed residence. The guarantor shall sign a guarantee contract, and provide a copy of his valid identity certificate and one of his income certificate, house purchase certificate and residence certificate and a copy thereof.