How to get a credit card without proof of employment?

The bank cannot apply for a card without proof of employment. Those over 16 years old can apply for a bank card with their ID card and copy, but online banking is generally not available. Those under 16 years old need to be accompanied by a legal guardian to apply for a bank card. The ID usually requires a user's ID book, and online banking cannot be opened. If you want to use Taobao, For shopping, it is recommended to use the post office's online remittance e-service to recharge Alipay, which is similar to the remittance service. Fill in the corresponding documents at the post office and hand it to the salesperson together with the money. Then, you need to enter a billing password and you will be given a receipt, and then log in to Alipay. , enter the recharge interface, find the online remittance e that you want to recharge, enter the bill number on the receipt and the bill password you set, and then click Recharge.

1. The bank cannot apply for a card without proof of employment

1. Identity certificate: usually an ID card (if you are using a new version of the ID card, a copy of the front and back is required), military personnel A copy of military ID is required.

2. Work certificate: It can be the original work certificate issued by the unit where you work (please indicate the specific company name, department, position and income, and stamp it with the company seal or personnel seal), or work permit /Copy of brand.

3. Proof of financial resources.

2. Credit card, also called credit card, is a credit certificate issued by a commercial bank or credit card company to consumers with qualified credit. It takes the form of a card with the name of the issuing bank, validity period, number, cardholder name and other contents printed on the front, and a magnetic stripe and signature strip on the back. Consumers holding credit cards can shop or consume at specially appointed commercial service departments, and then the bank will make settlements with merchants and cardholders. Cardholders can overdraft within the prescribed limit.

To sum up, bank cards also have a shelf life. Treating bank cards well can help extend the shelf life. It is best to keep bank cards in a hard wallet and not too close to the magnetic buckle to prevent wear and scratches by sharp objects. , twisted or broken, do not place them back to back to avoid friction between the magnetic strips. Do not place the card within the range that can be affected by high magnetic appliances such as microwave ovens and refrigerators. Try not to place the card with magnetic objects such as mobile phones, computers, and PDAs. together to avoid demagnetization and deterioration.

Do I need a work certificate to apply for a credit card?

A work certificate is required to apply for a credit card.

Nowadays, when applying for a card at most outlets, you need proof of employment or a return visit to the *** team. If the applicant cannot provide it, the card application may fail. If you are temporarily unemployed, you can provide the bank with proof of your car, real estate, and property; this will make it easier to gain the trust of the bank and generally make it easier to pass the credit card review.

Submit proof of deposit

Many people apply for credit cards with only their ID cards, and the credit limit is relatively low; before submitting a credit card application, you can first open an account at the card-issuing bank and deposit Deposit a certain amount of cash.

When applying for a card, when the bank sees the user's deposit, it will assume that the user has a certain ability to repay, and it is easier to apply for the card, and the limit is generally higher.

What should I do if I apply for a Bank of Communications credit card to work for an individual without a work certificate

I have my own fixed assets.

If we don’t have a job, we need to submit the following certificates when applying for a credit card to prove that we are able to repay the loan. Although we don’t have a job, our creditworthiness is guaranteed.

1. Valid identification, that is, ID card and copy of ID card, proving that you are a Chinese citizen who is over 18 years old and has the capacity for civil conduct.

2. Proof of deposit. How to apply for a credit card if you don’t have a job? Although you don’t have a job, if you have a small deposit, it will definitely increase the success rate of your application process. Therefore, before you submit a credit card application, you can open an account at the card-issuing bank and deposit a certain amount of cash. Of course, the higher the amount, the better. This means that you do have a certain ability to repay the loan, and the bank will naturally consider it accordingly.

3. For proof of residence, you can provide the bank with any of the water, electricity, coal or landline phone bills in the past 3 months. Applicants with personal real estate can also provide the property ownership certificate. After submission, the likelihood of being approved will be greater and the amount will be higher. If you are renting, a public rental housing tenancy agreement is available.

4. Social security certificate, how to apply for a credit card if you are not working, if there is no income certificate, the personal income tax payment certificate is indeed a good indicator.

If you don't have both, then the personal social security fund account details can also prove your creditworthiness and can be provided to the bank. It can also be used as proof of credit card information.

Can I apply for a credit card without proof of work?

It is possible to apply for a credit card. In short, if you can apply for a credit card without a job, the success of applying for a credit card depends on your personal qualifications. conditions, and work is not the only measure.

There are several situations below when you are not working. You can refer to it according to your own situation.

1. For those who are only temporarily unemployed, it is recommended to apply for a credit card directly online. Applying for a credit card online does not require filling in detailed written information like it does at a bank counter or when a credit card salesperson comes to your home. Additionally, return calls are rare. Through the online channel, filling out the information is very simple. Although you are currently unemployed, you can fill in your previous employer in your work file.

As long as you can remember the information of your previous workplace, you can fill in the application materials. Many banks focus on efficiency when processing online credit card applications. As long as you fill in the basic information in detail, have good personal credit and correct address information, there will be basically no problem and it will be easy to get the card approved.

2. More and more freelancers now choose to rely on their own hobbies and skills to earn income, and do not want to be bound by the company. As a freelancer, when applying for a credit card, you are usually troubled by the fact that you have no employer and no source of income that can be used as proof. If this is the case, it is still recommended that you apply for a credit card online.

3. Individual business owners and small business owners not only earn a lot of money, but also have strong consumer demand. Just because there is no fixed job and income, I encountered many difficulties in the process of applying for the card. In fact, for friends who encounter this situation, you can boldly apply for a credit card. You can also try platinum cards or some high-end cards. Don't say you can apply for a credit card over the Internet.

It can be seen from the responses from the above banks that if there is no job, you can apply for a credit card like this:

Apply for Guangfa and ICBC credit cards at a bank branch. Maybe if you have enough financial resources, you will agree. If you don’t have proof of employment, but have proof of deposits or housing or cars, you can try to apply for a Bank of Communications credit card; or the next best thing is to apply for a credit card from a city commercial bank. "Wrapper" proof of work. It is best if your relatives and friends have a company. If not, find a company that is willing to help to issue a work certificate (you can find a universal treasure), fill in the company's name and landline number in the application materials, and you will have a chance. But be careful, there are many scammers online, be careful ++ who pretend to be applying for a credit card. Apply for a supplementary card for a family member’s credit card. If your family members have credit cards and can apply for a credit card, you can ask them to help you apply for an additional card. The supplementary card and the main card have an exclusive limit, and the main card will make the repayment when repaying, which is quite convenient to use.

What to do if you don’t have a proof of employment when applying for a credit card

1. Provide proof of deposit

Before submitting an application for a credit card, you can open an account at the card-issuing bank and deposit Deposit a certain amount of cash; when applying for a card, when the bank sees the user's deposit, it will assume that the user has a certain ability to repay, and it is easier to apply for the card, and the limit is generally higher.

2. Provide proof of property

If you are temporarily unemployed, you can provide the bank with proof of your car, real estate, and property; this will make it easier to gain the trust of the bank, usually It is relatively easy to pass the credit card review.

3. Provide credit certificates

You can provide your own credit certificates to the bank. Good credit is also an important factor in successfully applying for a card; if you want to accumulate credit, you must Maintain rational consumption, repay in full and on time, and avoid bad behaviors such as overdue payments.

Credit card application conditions

1. Age conditions

Applicants must be between 18 and 65 years old, and have full capacity for civil conduct. . This is different from the age requirement for applying for a regular debit card. Because using a credit card is the same as borrowing from a bank, the credit card limit also occupies the credit limit. Being a minor means that you have no income and no ability to repay. You must be an adult to apply for a credit card.

2. Occupation or income conditions

To apply for a credit card, you must have a stable occupation or a stable source of income.

Whether the applicant's job is stable, the salary income, the source of freelance income, and the level of income determine the repayment ability, which is the focus of the bank's review.

This is the end of the introduction about credit card without work certificate and credit card without work certificate. Can you pass it if you have a job? Have you found the information you need?