How to apply for a credit card if you have three nos?

You cannot apply for a credit card if you have three nos.

Individuals applying for credit cards must have a fixed occupation and a stable source of income, and provide a guarantee to the bank. The forms of guarantee include personal guarantee, unit guarantee and personal capital guarantee.

The application method is generally by filling in a credit card application form. The content of the application form generally includes the name of the applicant, basic information, economic status or source of income, guarantor and his/her basic information, etc. And submit certain copies of documents and certificates to the card issuing bank. After the customer fills in the application form truthfully according to the content, the customer must also submit the relevant credit certificate while submitting the completed application form.

The application form is accompanied by a contract for using the credit card. The applicant authorizes the card-issuing bank or relevant departments to investigate its relevant information, and submits a statement of the authenticity of the information, the card-issuing bank's privacy protection policy, etc., and must have an application A person's autograph.

After receiving the application form and relevant materials from the applicant, the card-issuing bank must review the applicant's creditworthiness. The content of the review mainly includes whether the content of the application form is true. For the applicant, the creditworthiness of the applicant must be assessed. For individuals, the relevant circumstances of the guarantor must also be reviewed.

The bank will determine whether to issue a credit card to the applicant based on the application information and various aspects of the applicant's information and financial situation. Factors considered include the applicant's past credit record, the applicant's known assets, professional characteristics, etc. The standards of each card-issuing bank are also different. Therefore, the same materials may be issued with different credit limits and different types of credit cards in different banks. Some banks may even approve the application, while others may reject it. .

Extended information:

Main features of credit cards

1. Credit cards allow you to consume first and then repay, enjoy an interest-free repayment period, and can repay in installments on your own ( There is a minimum repayment amount), and join international credit card organizations such as VISA, MasterCard, JCB, etc. for global use.

2. Credit card is one of the fastest growing financial services today. It is an electronic currency that can replace traditional cash circulation to a certain extent.

3. Credit cards have both payment and credit functions. Cardholders can use it to purchase goods or enjoy services, and can also obtain certain loans from card issuers by using their credit cards.

4. Credit card is a high-tech product that integrates financial services and computer technology.

5. Credit cards can reduce the use of cash currency.

6. Credit cards can provide settlement services, facilitate shopping and consumption, and enhance a sense of security.

7. Credit cards can simplify payment procedures and save social labor.

8. Credit cards can promote product sales and social demand.

Baidu Encyclopedia-Credit Card

How to apply for a credit card for people without a home?

People without a house, a car, a deposit, or even a job. It is more difficult for these people to apply for a credit card, but as long as their credit report is good, they still have the opportunity to apply for a card. Sanwu people recommend mastering the following tips for applying for credit cards:

1. Choose a bank with which you have a lot of daily business to apply for a card, or avoid the four major state-owned banks and choose a commercial bank;

2. , Provide valid and reliable bank statement certificates (within six months), or other financial management certificates, such as stocks, funds, financial products, etc.;

3. The card application information must be complete and accurate, especially the landline number The fields must be filled in and you can answer return calls in a timely manner;

4. It is best to choose a company address for the credit card mailing address. If you don’t have a job, you can ask a friend for help;

5. The type of card applied for . It is best to apply for a high-level credit card with loose review conditions for the card level. Do not blindly apply for high-level credit cards;

6. Some people recommend that applying for a card can greatly improve the approval rate of applying for a credit card;

7. Personal credit investigation It must be in good condition, without any bad records, especially overdue payments, cash out, etc.

The current transportation system is a 3-second pre-examination. After the pre-examination, you fill in the information, and the result will be issued within 15 minutes. If you pass, you will get a text message. If it is not sent, it will be rejected. You can also check the progress of the card application. The approval result will be issued within 7 days for other applications.

The card will be issued as soon as it is approved, and the fastest time from application to getting the card is within 3 days!

1. Download a 51 credit card manager (any other manager will do)

2. Click on the money tree below, which will contain "51 Card Application"

3 . After selecting a region, here are the banks that support fast cards in the region

Remember, select the city before applying for the card. Generally, do not operate in other places. Others will know which city you are sending the information from.

Remember, choose the city before applying for the card, and generally do not operate in other places. Others will know which city you are sending the information from.

Please note that the verification code must be entered within two minutes, and the mobile phone number cannot be reused!

1. Next 51 is because new channels in banks will appear here as soon as possible. This is the place to get information. In addition to here, banks have to promote the WeChat public platform, so some businesses here, It is also available on WeChat, so I downloaded 51, but applying for a card is not necessarily in 51!

2. Why is there a 3-second pre-trial? Have you ever thought about why the bank rejected you in 3 seconds?

3. After pre-examination, why is the card still not approved? Everyone fills in these basic information, why is it that someone has faked it? How to improve pass rate?

4. How to apply for a bank that is not open locally? How can it be operated remotely?

5. Others are making money! So, when you see this, what are you thinking about? (Beware of the mentality of "deny something before you see it" which will ruin your life!)

This is because the bank hopes that everyone will apply for a card. The more people there are, the more opportunities there will be for screening, and you will get high-quality products. The more customers there are. It is normal for good qualifications to have higher quotas.

Three no tips for applying for a credit card: Applying for a card is a shortcut

Banks have certain access thresholds for credit card applicants. If the applicant has a stable job and income, and With extra financial resources, it is not difficult to successfully apply for a card. However, if the applicant has nothing, which is often said to be the "three no-people", it will be more difficult than climbing to the sky. Is this really the case?

Three no pain points in applying for a credit card

Banks have three basic conditions for people to apply for credit cards: stable job, stable income, and good credit. Only when these conditions are met, the bank Only in this way can we avoid our own risks and ensure that cardholders can pay back their money in time after consumption. The so-called "Three Nos" in applying for a credit card means that the person applying for the credit card does not have a stable job and income, nor does he have his own personal assets. In this case, if you do not master certain card application skills, your card will often be rejected by the bank.

Tips for applying for a credit card for Sanwu people

If Sanwu people apply for a credit card for the first time, it is normal for the card to be rejected by the bank. They can only wait until they find a job and have a stable income. Applied for a credit card. If you have ever applied for a credit card, you can apply for a card by using a card. The operation is as follows:

1. Make sure your credit report is good

The prerequisite for applying for a card by card is that the cardholder There is no bad credit record, so before applying for a card, the cardholder needs to check the use of the existing credit card in the central bank's credit system to see if there is any bad record. If you have a good credit record, you can check with your bank for specific requirements.

2. Clarify the bank requirements

Not every bank supports card application, and different banks have different requirements for card application. The details are as follows:< /p>

Bank of China: You can apply at the counter if you have held other banks’ credit cards for more than 3 months;

Ping An Bank: You can apply at the counter if you have held other banks’ credit cards for more than 6 months;

< p>Guangfa Bank: If you have held other banks’ credit cards for more than 6 months, you can go to the counter to apply;

Bank of Communications: If you have held other banks’ credit cards for more than 1 year, you can go to the counter to apply;

Pudong Development Bank Bank: If you have held a credit card from another bank for more than 1 year, you can apply at the counter.

3. Apply for a credit card with a credit card

Summary: The trick for applying for a credit card with a credit card is to apply for a credit card with a credit card. If you don’t have a credit card from another bank, you can only wait until you find a job. , apply again if you have a stable income.

How to apply for a credit card if you are a person without a job? Learn these tricks quickly!

For people with stable jobs, high incomes, and good credit reports, applying for a credit card is quite simple.

But not everyone has such good qualifications. Some users have asked, how can people without a license apply for a credit card? So let’s briefly talk about this issue. I hope it can be helpful to everyone.

How do people without one or three apply for a credit card?

1. Application materials: Generally speaking, under the same circumstances, the higher the user's academic qualifications, the higher the overall score will be, so you can fill in your own academic qualifications or other skill certificates; then there is the marital status. Married people are more popular than unmarried people. If there is a problem, you still have a spouse to help; and then there are assets. For example, if the applicant does not own a house, but his parents own it and live in it, at least it can prove that your residential address is stable. Parents have the ability to help repay.

2. Bank selection: The application threshold for each bank is different. You can first avoid the four major banks and choose banks with lower thresholds such as China Merchants Bank, China Guangfa, and Bank of Communications, and then choose the products to buy cards.

3. Application channels: For many banks, they don’t like users to apply for cards repeatedly. For example, if you have been rejected and apply again without improvement, it will only increase the workload of the bank. Another option is to apply online or apply with a salesperson, which will be relatively easy to pass.

4. Others: Three-no people have nothing. They can ask relatives and friends who hold the bank where they are applying to introduce themselves to apply for the card.

The above is the answer to "How do people without three types of employment apply for a credit card?" In general, there are many methods, and they can all be optimized in terms of application materials, bank selection, application channels, etc.

How to apply for a credit card if you are a person without a job?

1. Choose the online application channel to apply for a card

Friends who have applied for a card at a credit card application platform outlet all know that applying for a credit card at the counter requires a lot of information, such as work Certificates, salary slips, etc. There is no way for Sanwu personnel to provide proof of these assets. Therefore, if such users go to the counter to apply for a card, they will most likely be rejected. But it’s different if you apply online. You don’t need to provide any paper or supporting information online, so you can avoid the disadvantages of people without three qualifications and won’t be easily rejected. 2. Choose the appropriate card type

The higher the credit card level, the higher the funding requirements for card applicants. Obviously, cards with high levels and high limits are not suitable for people with three or three no qualifications to apply for. This will only increase the chance of credit card rejection. Therefore, it is recommended that this type of user group should choose regular and gold level credit cards when applying for a card, and it is best to apply from a bank with which they have business relationships. Then, the success rate of card approval is relatively high.

3. Appropriate packaging of information

Although you do not need to submit too much information when applying for a card through the online application channel, you should also pay attention when filling in the information. You can properly package your personal information. To improve the success rate of card application. For example, the working years can be filled in a longer time, because the working time is too short to reflect the stability of the card applicant; when filling in the contact person, it is best to choose your immediate family members, or spouse, etc. However, everyone should pay attention to the fact that the packaging information must be appropriate and not over-optimized, otherwise the card will be rejected.

Preparation materials for applying for a credit card by Sanwu personnel

1. As an individual merchant, you can use your business license as your card application information, and also attach it to your recent six months The running water is enough.

2. For those who have fixed jobs, the editor has to say that you have a big advantage. Get a copy of your work certificate and prepare your salary card, and the success rate will be much higher!

3. For those freelancers, even wages are paid in cash. The editor recommends that you create bank statements yourself. Deposit your salary into your debit card on a fixed day every month. After half a year, your debit card transaction can be used as your card application information to apply for a card!

That’s it for the introduction of the three-no credit card.