Can the credit card issued by the original employer still be used after leaving the company?

Some cardholders want to change jobs at the end of the year, but they are afraid that the credit card issued by the original employer will not be usable after resignation. In fact, there is no need to worry at all. As long as you get the credit card you applied for before leaving your job, you can use it normally. However, remember to use the card in a standardized manner, otherwise the bank will block the card and you will be unable to use it.

In addition, in the process of using the card, everyone must master some skills so that they can use the credit card at the most economical rate.

For details, please refer to the following points:

1. Use more cards and withdraw less cash. Cash withdrawals with credit cards do not enjoy the interest-free period like overdrafts. Using credit cards to withdraw cash not only requires a handling fee, but also accrues interest based on the expected annualized interest rate of 0.5% per day. For cardholders who have resigned, this is quite a deal. Not a good deal. Therefore, never overdraft to withdraw cash unless absolutely necessary.

2. Pay attention to the credit card swiping time. It is recommended that you swipe your card one day after the bill date to enjoy the longest interest-free period. Assume that your credit card bill date is the 23rd of each month and the final payment date is the 10th of each month. If you make a purchase on December 24th, the bill will not be issued until January 23rd, and you can repay it before February 10th.

3. It is best to repay the loan in full at once. After using a credit card for consumption, you must repay before the end of the final payment date, otherwise it will be considered overdue. When repaying, it is best to pay it back in one go, so that you can enjoy the interest-free period. Of course, you cannot repay in full, but you can Choose installment repayment, and do not repay the final payment amount unless absolutely necessary.

4. Don’t overpay. Many cardholders always like to pay more when repaying, which will result in overpayment. It is easy to deposit the overpayment but difficult to withdraw it. Many banks stipulate that you must pay a handling fee, so there is no interest on such deposits. The act of charging for cash withdrawals is still quite uneconomical.

5. The annual fee is waived based on the number of card swipes. Credit cards all have annual fees, but many banks' regular cards and gold cards can reduce the annual fee based on the number of card swipes, so everyone must understand the number of card swipes that are free of annual fees for the credit card you hold, whether you are leaving your job or While working, try to avoid expenses that can be avoided.

6. Save points and redeem gifts. In order to encourage customers to use the card, banks will calculate points based on the customer's consumption amount, and the points can be exchanged for gifts or used to offset consumption. So when you usually shop, swipe your credit card wherever you can swipe your credit card (regular merchants), and accumulate points to redeem gifts!

7. Rational staging. Many banks provide customers with installment payment services, ranging from 3, 6, 12, and 24, to provide convenience for everyone to spend in advance. However, installment payment will incur additional fees, so if you don’t want to pay the handling fee, try not to choose installment payment if you can afford the consumption.

What should I do if I am unemployed and want to apply for a credit card?

When applying for a credit card, what banks value most is the applicant’s repayment ability, that is, whether he or she has a stable job, so I want to apply for a credit card if I am unemployed. For a credit card, the most important thing is to prove your ability to repay. But here comes the problem. Applicants who have resigned have no jobs. So, how can such people apply for a card?

Some cardholders said that this is actually very easy, as long as you have a few familiar large shopping malls and supermarkets around you, such as Carrefour, Auchan, China Resources Vanguard, Gome, Suning Appliances, etc. Then fill in the name of the employer when applying for a credit card.

There are many well-known brand counters in shopping malls and supermarkets like these. Many of these counters do not have landline phones, but the card approval rate is as high as 90%. In addition, their work permits are usually paper, which is very difficult. Easy to fake.

So, before you apply, you should go to these supermarkets, then choose a counter, write down the counter’s information, and then call the supermarket’s customer service number. As long as you do your preliminary work well, the next step will be The card success rate is still very high. Of course, if you have problems with your credit report, that is a different matter. Here are two ways to apply for a card.

1. Online application

Online application generally only requires filling in the application form. No documentation is required, but you must fill in your true basic personal information. In addition, at your workplace You need to master some skills in one column, and fill in the company name as the supermarket you pretend to be.

For example, the Peraya Cosmetics Counter in Wal-Mart Supermarket in Changsha;

Company name: Wal-Mart (China) Investment Co., Ltd. (Changsha Store)

Unit address: column, the minimum education must be written as a college degree, regardless of any bank!

Return phone call solution:

Before applying for a card, it is best to talk to the front desk of the supermarket, leave your name, and ask her to pay attention to the bank's phone number when she answers the phone. That's fine. I'll just prove it for you. The prerequisite is that whether you are pretending to be a fake or just making up, you must at least know a little bit about the situation of this counter. Generally, banks will not call supermarkets or stores. They will only call you to review the information.

Note: Through this method, it is easy to apply for credit cards from banks such as Communications, CITIC, Shanghai Pudong Development Bank, and China Merchants Bank, even if you are unemployed.

2. Apply with a credit card:

If you currently have a credit card and have used it for more than 6 months, and have not used more than 50% of your current credit card limit, you can use this credit card as your credit card. Provide proof of financial resources and then apply for a credit card from another bank. This method has a higher rate of card application!

End: Apply for a credit card. The biggest advantage of the online application strategy is that no proof of employment or salary certification is required. The cost of applying for a credit card is generally between 1,000-100,000. The biggest disadvantage is that the credit limit is relatively low, but it is very suitable for friends who are in the state of resignation.

Will the credit card limit be reduced after resigning?

Many cardholders are preparing to resign after applying for a credit card, but they are afraid that the bank will reduce the credit card limit after resigning, so they don’t know what to do. In fact, whether you resign or not, it has nothing to do with your credit limit, so cardholders who want to resign don't need to worry about this issue.

But if your credit card is reduced after you leave your job, it is not because you left your job. After all, the reduction of your credit card has a lot to do with the cardholder's card usage behavior. Generally, banks will reduce your credit card limit under the following circumstances, as follows:

1. Infrequent credit card swiping or idle credit cards

Does the bank approve your card? You swiped your card. If you apply for a credit card with a large limit, but only use it three or four times a month, or if you don't use the card at all, leaving it on the shelf will give the bank the impression that you don't need a credit card.

As time goes by, the bank will naturally lower your limit. After all, you have been approved for such a high limit. If you want to occupy resources without using a card, the bank is not easy to fool, so it is better to give you the limit. Those who are in need of credit cards.

2. Frequent overdue payments or non-payment of arrears

After many cardholders leave their jobs, they are unable to repay their credit cards because they have no financial resources, so they will have overdue payments or arrears. Don't think it's a trivial matter if you don't repay. For this kind of cardholder, the bank will at least reduce your credit card limit, or at worst freeze the credit card, and then use criminal means to collect debts from you.

So if you want to use the card for a long time, you still have to repay it on time. Even if you can't repay it in full at once, you can repay it with the minimum payment amount, or pay it in installments. In this way Otherwise, the limit will not be reduced. On the contrary, the limit may be increased.

3. Use credit cards for risky transactions

For example, for cashing out or fraudulent transactions, a few large-amount card transactions are made at a certain POS machine every month, and at other times Merchants don’t spend much. This kind of transaction is obviously suspected of cashing out. It’s easy to take the blame.

Stealing. When your credit card suddenly carries out large-value transactions in an unfamiliar area, in order to protect the cardholder's property safety, the system will take measures to reduce the credit limit or freeze the credit card.

Summary:

Under normal circumstances, regular maintenance cards will not be reduced after leaving the company. If a reduction occurs, it is most likely because of the above things. Therefore, it is recommended that cardholders should use their cards regularly to avoid cashing out.

Will resigning have any impact on applying for a credit card? You will understand after reading this

The role of credit cards in daily life is becoming increasingly obvious. Especially the epidemic in 2020 has put many people’s funds into trouble. Those with credit cards will have an easier time. For this reason, many people Everyone applies for a credit card, and many of them quit their jobs after applying for a credit card. Will this have an impact? Let's take a look.

Will resigning have any impact on applying for a credit card?

Resigning has an impact on applying for a credit card, mainly in two aspects, one is credit card approval and the other is credit card collection.

1. Credit card approval:

Resigning after applying for a credit card online will have the greatest impact, especially for white accounts. You must know that when applying for a credit card, you must fill in your work unit information and phone number, in order to allow the bank to The applicant's work information can be verified by calling the company at any time. However, once the bank calls after leaving the company, in many cases it cannot be received. The bank will think that the person is not found and directly reject the card.

In order to avoid this situation, it is best for the card holder to explain to the company's employees who are responsible for answering the phone before leaving the company, and ask them to help answer the phone, or tell the bank that they are on a business trip to see if they can Ask the bank to call the cardholder’s mobile phone. As long as you answer the phone, you can apply for a card even after you quit your job.

2. Credit card collection:

After the credit card is approved, the bank will mail the credit card to the filled-in unit address. If you leave your job, it will definitely be difficult to receive it. However, the card holder can check the progress of the card application at any time, check that the credit card has been approved, and call the bank to change the delivery address to a home address. It is best if you can change it. If it cannot be changed, you can ask a colleague to help collect it on your behalf.

In short, leaving your job will have an impact on applying for a credit card, so it is best to wait until you get the credit card before leaving your job.

Can I apply for a credit card if I just quit my job?

As the end of the year approaches, there is another wave of resignations. Many people have the idea of ????changing jobs, although generally job-hopping is for high wages. , but for those who want to apply for a credit card, leaving your job at the end of the year will affect your credit card application. So, can I apply for a credit card just after leaving my job?

Everyone who has applied for a credit card knows that there are three rigid criteria for credit card application: one is to meet the age for applying for a card, the other is to have a stable job and income, and the third is to have no bad credit cards. For friends who have just resigned, these two standards are not met. Although you can apply for a credit card, your application may not be approved by the bank.

Example review

Kayou Xiao Wu is a new media operator of a company. He has been working in the original company for two and a half years and has a monthly income of 10,000 yuan. At the end of the year, he switched jobs to a company with good profits, and his salary increased to 15,000. Logically speaking, Xiao Wu could definitely get a gold card when applying for a credit card under these conditions. However, when he applied for the GF China Southern Airlines Sky Pearl Card after changing jobs, he was ruthlessly rejected by the bank. The reason is simple: Xiao Wu has been employed in the new company for less than a month, and his employment time is too short. His job is unstable, and no matter how high his income is, his card will still not be approved.

We can see from the example that Xiao Wu ignored the impact of leaving his job and changing jobs on his credit card application. He thought that his income would be higher and it would be easier to apply for a credit card. Who knew that the time to join the new unit was too short? The unstable job has become a weakness for him to be rejected when applying for a card.

Why do banks refuse to approve cards for employees who have resigned or have just joined the company?

This is actually very understandable. For banks, employees who have resigned or have just joined the company not long ago, because their jobs are unstable, no matter how high their income is, it does not mean they have a certain ability to repay. Therefore, Under normal circumstances, banks will require applicants to work in their current unit for more than 3 months before they can apply.

Think about it, if you have just resigned or just joined the job and have not even passed the probation period, who knows whether you will be fired after 3 months? The bank is unwilling to pay for the hidden risks in your work, so it will naturally pass you up during the data review.

So, how do you apply for a credit card when you have just quit your job or not long after joining the job?

If you have already resigned, or have just joined the job, it is recommended not to apply for a credit card so quickly. You can wait until you have worked for 3 months or more before applying for a credit card. In the eyes of the bank, your job is It is already stable and there will be no problem with repayment. If you need to apply for a card urgently, you can save 6 months of cash flow before applying for a card.

Will I be approved if I apply for a credit card from my original employer after resigning?

When applying for a credit card, the bank will require the applicant to have a stable job, but many friends who have resigned cannot meet this standard. , I just want to use my original employer to apply for a card, but I don’t know if the bank will approve the card if I do so. Whether or not the card will be approved if you apply for a card with your original employer after resigning, it depends on the situation. Let’s introduce it to you below.

According to the relevant regulations of the bank, applying for a credit card needs to meet these three conditions:

1. The main card applicant must be over 18 years old and have full civil capacity;

2. Have a stable source of income, which means the applicant must have a stable job.

3. The card applicant has no bad personal credit record

Many cardholders have resigned and do not meet the second requirement, so it is not that easy to apply for a credit card. Of course, if you write the company name and job position of your original unit on the application form, the card may still be approved.

However, I would like to remind everyone that after the credit card passes the preliminary review, the bank will call your work unit to verify your information and see if there is such a person. Therefore, when resigning and using your original employer to apply for a card, the most critical aspect is answering the phone.

If you want the bank to smoothly approve the card, if you leave your job during the card application process, you can establish a good relationship with the front desk in advance, and leave some basic information for the credit card application with the front desk after you leave your job, so that she can When making return calls, help you answer questions.

As long as the front desk answers the questions during the return visit to the bank, the pass rate of card application can reach 90%, and the bank will have no problem approving the card for you. However, it should be noted that after the bank approves the card, it will send the card to your original work address. You can call the credit card customer service hotline to change the mailing address.

In addition, if you do not need to apply for a card at your original work address after leaving your job, as long as you can provide other materials that can prove that you have a stable source of income to prove to the bank that you have a certain ability to repay, this way It can also increase the success rate of card application.

This concludes the introduction to post-resignation credit cards and post-resignation credit card limits. Have you found the information you need?