what are the three noes? Generally speaking, it refers to groups without jobs, financial resources and guarantors. Because of their lack of stable jobs and sources of economic income, these groups are regarded as extremely risky users by banks, and in order to control risks, they will refuse their credit card or loan applications. So it's really impossible for people with three noes to apply for credit cards? Detective, this will teach you a few tips for quickly handling cards. Come and learn together!

Making a running account: As mentioned above, the biggest drawback of the "three no-employees" is that they have no stable source of work and economic income, so you can try to make your own running account and deposit money in the bank regularly for more than half a year, which will greatly improve the success rate of credit card application. Or rent the property under your name, or do business in partnership with friends, or find a part-time job, so that the bank can find the payroll list.

Choose a bank: When choosing a bank, three employees should choose those banks with relatively low threshold and easy access to cards, such as Huaxia Bank, Shanghai Pudong Development Bank, China Everbright Bank and China Guangfa Bank. Generally, these banks are not particularly strict with applicants. As long as there are no bad credit records, malicious tax arrears, malicious lawsuits and other particularly serious credit records, there is still a chance to apply for a credit card.

Choose card type: It is not easy to apply for a credit card without three employees, but some friends are still so ambitious that they will definitely be rejected if they apply for a platinum card or above as soon as they start. When you apply for a card, try to choose some cards with lower threshold, such as Puka and Gold Card, or the popular cards recently promoted by banks, which will make it easier to get off the card.

wealth management fund: if friends have chosen their favorite credit card, they can deposit a cash deposit of not less than 5, yuan in this bank, or buy stocks and wealth management products in this bank, which will provide us with sufficient financial proof, and then it will be much easier to apply for a credit card.

In short, people with "three noes" should choose the right bank, master the application skills and actively create a "card-raising" environment to increase the success rate of applying for credit cards. At the same time, when using credit cards, people with "three noes" should pay attention to reasonable consumption and timely repayment, so as to avoid unnecessary interest and overdue fees.