Generally, you can't get a credit card until you start working. Because users don't have proof of personal income at work that can explain their own economic development ability, the basic approval of banks is impossible. To apply for a credit card, you must consider the following criteria:

1, age: between 18 and 65 years old, with full capacity for civil conduct;

2. Income and property regulations: having a relatively stable job and income;

3. Personal credit and ability regulations: excellent reputation and ability to repay loans on schedule;

4. Provide explanatory materials corresponding to the above standards.

It is ok for unemployed users to apply for credit cards. Not all users who don't have a stable job can't apply for a credit card. The final judgment of the bank is the repayment ability of the user. As long as users can prove their repayment ability, they can apply for a credit card without a job.

1. If you are a student, you can apply for a student credit card or provide a second source of income, that is, proof of parents' income. If the applicant can only provide an ID card, the bank will generally not approve the credit card. Even if it is approved, the credit limit is very low or even zero. However, if the cardholder is patient, he can gradually increase the credit limit by swiping the card to reach a certain accumulated amount.

2. If the applicant has no job and wants to apply for a high credit card, he can only provide strong economic proof. If I can provide a large time deposit certificate at the bank I apply for, I can get a credit card with a higher credit limit directly (the credit limit is determined according to the deposit amount). Applicants can also choose a guarantor or pledge guarantee to apply for a card (other credit products other than high-end products such as diamonds and platinum).

3. Pledge guarantee means to handle the card by means of deposit or pledge right certificate. The initial deposit amount is RMB 5,000 (inclusive). Pledge rights certificates include: RMB lump-sum time deposit certificate opened in the applicant bank and voucher-type treasury bonds issued by the Ministry of Finance after the bank agent 1999.

4. To apply for a card through a guarantor, the guarantor must be a China citizen aged between 22 and 60 (excluding) with stable income and repayment ability. At the same time, the guarantor needs to have a job, a hukou, a self-owned property and a fixed residence in the local area. When applying for a credit card, the guarantor must sign a guarantee contract, and provide a copy of his valid identity document and one or a copy of his income certificate, house purchase certificate and residence permit.