1. Generally, when applying for a credit card, you need to provide personal company information. When banks review credit card application qualifications, they will often confirm the authenticity of the information submitted by the applicant through telephone interviews. .
2. Under normal circumstances, if you are a freelancer, it is more difficult to apply for a credit card without an employer. However, applicants can try to submit personal asset information, such as real estate and cars. In this case, the bank will also approve the card.
3. Or provide the bank with personal income statement to ensure that the individual has a stable income. In this case, the bank will also consider approving the card.
How to apply for a card without a landline
1. Without a landline, it is difficult to apply for a card. This is the true experience of many cardholders. The bank may need to verify your information. If it is filled in randomly or cannot be contacted, the credit card will basically be rejected.
Method
1. Fill in the company’s fixed telephone number
If there is no telephone number in the personal position arrangement, you can write the fixed telephone number of the company’s front desk, or other fixed telephone numbers . Don't tell them that if the bank calls, just say they're not there and ask them to transfer the phone.
Method
2. Fill in the landline phone numbers of relatives and friends
If you are temporarily unemployed, apply for a credit card at home. You can fill in the landline phone number of a close relative or friend. Don’t forget to tell the bank to call your mobile phone.
Related knowledge: Credit card filling skills
1. Annual income is less than: 15,000-60,000 yuan. The higher the income you fill in, the higher the score, but it must be consistent with your position and Money ability!
2. Employment situation: Being employed by oneself means being one’s own boss. Compared with working in a factory, the score for professional work is higher, because the risk of self-employment is relatively high, and professional work is It’s called stability, and that’s why the score should be high!
3. Age: Many banks are worried about your younger age, but older ones have a sense of responsibility and won’t spend money carelessly without paying back, so their scores are higher!
4. Bank account: Do you have frequent bank transactions related to credit cards? People with more banks generally have more contacts with banks, have more liquidity, and have greater benefits to the bank!
< p>5. Private phone: Generally speaking, it is a landline. People who work generally do not have a landline. Only those who do business install a landline. This also determines your industry and strength!6. Housing: represents you If your status here and your own ability are relatively strong, then you can buy a house. I am not afraid that you will not be able to repay this small amount of money!
7. Continuity of work: It depends on whether you can work steadily. People who work steadily are generally not short of money, but they occasionally forget to bring money. It is only temporary, and the repayment is quick, and the remaining money does not need to pay interest (a few dozen yuan per person, 10,000 yuan per person, 1 Millions of people) How much money does a bank make? The data is amazing!
8. Number of credit cards: With a credit card, he can check your repayment ability. It is easy to find out if your repayment ability is strong. When you apply for a credit card, they charge shopping mall handling fees. The bank wants you to become a card slave. If you think about it, if you have more than 4 credit cards, you will know that most people need so many credit cards! How many things can they buy in a day? Many people just swipe their cards to withdraw cash. You only need to pay the handling fee and no interest!
9. Residence time: The longer you live in this place, the longer you live, you will be familiar with the environment here, and you are not afraid that you will move or change jobs at will. Changing jobs or moving will directly affect your personal income, causing you to be unable to use your credit card for normal consumption!
10. Credit: Everyone knows that the interest rate on credit is relatively high, and most people will not get credit. Strong bosses often borrow money, so those with excellent credit will have higher scores, and both the interest and principal of the credit can be repaid. The interest and principal of a credit card is too simple!