Select offline bank counter application:

People who have no job can apply for a credit card through the offline bank counter, so that they can submit more sufficient application materials for using the card.

Prepare sufficient application materials:

Even if you don't have a job, if you have a fixed source of income, you can provide proof of bank flow, preferably for more than half a year.

In addition to the bank's running water, you can also provide deposit certificates, copies of real estate licenses, copies of vehicle certificates and other materials, which can increase the success rate of applying for credit cards.

If the applicant is an individual merchant, he can also provide a copy of the company's business license and other relevant supporting materials, and explain his personal situation to the bank staff.

Provide financial certification materials:

When banks approve credit cards, the most important thing is the applicant's repayment ability. Therefore, providing financial proof materials, such as real estate, automobile products and wealth management products, can shorten the bank's audit time and speed up the application process.

Priority will be given to banks that do business:

If there have been banks with mortgage, time deposit and other businesses before, these banks are preferred to handle credit cards. Because these banks have a better understanding of the applicant's economic situation, it is conducive to the rapid approval of credit cards.

Time deposit:

Deposit a certain time deposit in the issuing bank to prove that you have enough property to ensure timely repayment. This can increase the bank's trust in the applicant and improve the success rate of the application.

Purchase wealth management products:

Buying the wealth management products of the issuing bank is also a way to prove that you have enough repayment ability. Banks will consider the applicant's financial strength and investment ability when approving credit cards.

Pay attention to the credit card application conditions:

In addition to the above suggestions, you should also pay attention to the general conditions of credit card application, such as age 18 years old or above, holding a valid ID card and no bad credit history. Ensure that these basic conditions are met before you can successfully apply for a credit card.

People who don't have a job want to apply for a credit card quickly, so they need to prepare enough application materials, provide financial proof materials, and give priority to banks with business contacts. At the same time, pay attention to the general conditions of credit card application to ensure that you meet the application requirements.