Conditions for applying for credit cards for self-employed individuals and freelancers
Nowadays, more and more Taobao store owners, novelists, freelancers, self-employed people, etc., although they do not have a fixed income or social security, still want to apply for one Credit card, so how can you provide the success rate of applying for a credit card?
Freelancers
The best way: bank statement
Freelancers can easily be rejected when applying for a card, because in addition to proof of identity, they do not have Materials that can fully demonstrate economic capabilities.
What to do? You can only prove your financial resources through bank statements. If conditions permit, deposit money into the bank regularly every month to prove that you have a stable source of income, which will be of great help in applying for a card. If you can provide large transaction amounts from multiple banks within six months when applying for a card, the success rate of card application will be greatly improved.
Comprehensive guide
Individual industrial and commercial owners
The best way: apply for a joint card
When starting a business encounters problems, many people will Credit cards come to mind. But without proof of employment and income, it is very difficult to apply for a card. In fact, there is a method that is very suitable for individual industrial and commercial owners, and that is to apply for a joint bank card.
Many supermarket chains have branches that handle credit cards. They can usually handle joint credit cards between the bank and the supermarket. Individual business owners can bring their ID cards, business licenses (preferably more than 12 months old), and asset certificates. Wait for the materials to go to the branch to apply for the card. For the sake of performance, branch staff will patiently guide card applicants to apply for a card, and will even help supplement and complete the information, which is of great help in improving the success rate of card application!
Introducing China Construction Bank Credit Card, because the application threshold is low, there are many discounts, and the price-performance ratio is very high. For details, please see below
Can I apply for a credit card for freelancing?
Freelancing You can also apply for a credit card. If you have fixed assets: your own property and your own car, you can go to the bank to apply for a credit card, which contains copies of your real estate certificate, driver's license and personal ID card. In this case, applying for a credit card is very simple and the approval rate is very high. It should be noted that the property and car must be in your own name, and it is not helpful to apply for a credit card in the name of your parents or spouse. If you have no fixed assets in your name but a large bank deposit, you can bring your deposit and ID card to the bank branch to communicate with the lobby manager and ask for an application form. Generally speaking, as long as you have a large bank deposit, you can apply for a bank credit card. But if you have neither fixed assets nor large deposits in your name, it is very difficult to directly apply for a credit card. It is recommended that you consider applying to a friend’s company and ask the friend’s company to issue proof of income.
1. Online banking, also known as online banking or electronic banking, is a virtual counter set up by a bank on the Internet. Banks use Internet technology to provide customers with traditional services such as account opening, transfers, credit extension, and online securities, allowing customers to manage their accounts safely and conveniently without leaving home. Its characteristic is that as long as customers have an account number and password, they can enter online banking through the Internet to handle transactions around the world. There are two models for the development of online banking. One is an invisible electronic bank, also called a "virtual bank", which relies entirely on the Internet; the so-called virtual bank refers to an online bank without the support of an actual physical counter. This online bank generally has only one office address, no branches, and no business outlets. It uses high-tech service means such as the Internet to establish close contact with customers and provide a full range of financial services. Take America’s Security First Online Banking as an example. It was established in October 1995. It is the first virtual online bank in the United States without branches. Its business hall is a web screen. At that time, the bank had only 19 employees, and their main job was network maintenance and management. The second is to use the Internet to carry out traditional banking transaction services on the basis of existing traditional banks. That is, traditional banks use the Internet as a new service method to provide online services to customers. In fact, it is an extension of traditional banking services on the Internet. This is the main form of online banking and the development model of online banking adopted by most commercial banks.
2. Mobile Banking is China Merchants Bank’s personal online banking software. Handheld banking users can conduct fund transfers and comprehensive financial management through mobile terminals. Mobile banking provides functions such as transfers and remittances, easy loans, e-commerce, and financial analysis.
How to apply for a credit card for freelancing?
How to apply for a credit card for freelancing? When applying for a credit card, pay attention to the following points: 1. Determine your occupation: Determine whether your occupation is guaranteed to be long-term. If you are a civil servant, a state-owned enterprise, or a large enterprise, even if your monthly salary is 2,000 yuan, the bank will take the initiative to ask you to apply for a card, and the limit is not low. 2. Look at your assets: If you have strong assets and have large deposits or financial products in the bank, the bank will take the initiative to apply for a large-denomination card for you. As the question says, if you are a freelancer and you don’t have a credit card yet, it proves that in the eyes of the bank, you are still a loser. If you need a credit card, you must apply for it yourself. Come and ask me! In this case, if you fill in the information truthfully, sorry, you will be rejected immediately! Or if the task of placing a card is not completed, I will give you a 2k recharge amount. If you accidentally fail to make enough transactions, you can still get an annual fee of hundreds of dollars. So, since I am a freelancer and I am Silk, I cannot apply for a credit card? In fact, it is possible, you just need to cheat a little when filling in the information. Remember, don’t apply online! Find those channel providers, such as those who set up stalls near banks or squares to apply for free cards. The first choice for applying for a card is a local bank. Everything is difficult at the beginning. Once you pass the first card, things will get easier later on. It would be better if your workplace is affiliated with corporate friends. If not, just search for a local company and copy the phone number. The position is manager level or above, and the annual salary is more than 80,000. The home address must be a commercial house, do not include a rural address. If not, write your friend's, your phone number, and your home address as the card collection address. Anyway, banks rarely check or call landlines. I have my first card, and I want to apply for a credit card, but there is no such bank locally, only in nearby cities, and I have no friends from other places. How to apply? In the same way, search for the unit name, address, and phone number. The home address can be written as a local address, and the card will be sent to the home address. After receiving the card, just go to a city branch with the bank to activate it.
How to apply for a credit card as a freelancer
The best way is to apply for a credit card at an offline counter. When applying for an offline card, provide as sufficient supporting materials as possible, including income certificates, bank statements, real estate certificates, vehicle certificates, deposit certificates, investment and financial management certificates, etc. This increases the success rate of card application approval. 1. The business account for applying for a credit card should be from the same bank, so that the bank can simplify the application process. If the Agricultural Bank of China stipulates that the total assets of an Agricultural Bank of China individual account reach 100,000, it is enough to submit a credit card application form and identity proof materials, and the bank will provide the asset certificate upon its own inquiry. The bank will assist the applicant in applying for a suitable credit card. 2. Before applying for a card, deposit some funds in the bank where you want to apply for the card. This can increase the success rate and amount of applying for the card. 3. If you often use JD Baitiao or Alipay to buy things, you can use IOU to apply for an IOU card, or you can use Alipay to apply for credit cards from Shanghai Pudong Development Bank and Everbright.
1. "Freelancers" in the eyes of banks:
1. Salespeople without a basic salary, such as life insurance consultants, real estate agents, and direct salespeople.
2. Small businessmen, such as the owners of decoration companies, online store owners of shopping websites, etc.
3. Professionals, such as photographers, patent agents, lawyers, accountants, dentists, technical consultants, management consultants, plumbers, electricians, barbers, artists, etc.
Second, another term for credit card is credit card, which is a non-cash payment method and is a simple credit service. Credit cards are generally plastic cards with a length of 85.60 mm, a width of 53.98 mm, and a thickness of 1 mm. They are issued to cardholders by banks or credit card companies based on the user's creditworthiness and financial resources. Cardholders do not need to pay cash when making purchases with a credit card. Make further repayments. Except for some credit cards combined with debit cards, general credit cards are different from debit cards and ATM cards in that credit cards will not directly deduct funds from the user's account. In February 2012, the bank confirmed that credit cards without passwords are more secure, and they share the responsibility for any fraud. Enjoy an interest-free period of 25-56 days (or 20-50 days). Card consumption enjoys an interest-free period, and if you pay off the bill before the due date, no fees will be incurred. There is no interest-free repayment period for cash withdrawals, and a daily interest rate of 0.05% will be charged from the day of withdrawal. The bank will also charge a certain percentage of cash withdrawal fees.
Can I apply for a credit card if I don’t have a job?
You can also apply for a credit card if you don’t have a job. Although the bank stipulates that one of the requirements for credit card applications is to have a stable job, in actual application, it is not possible to apply for a credit card if you don’t have a job. When applying for a credit card, you can just provide proof of your other income, such as self-employed, entrepreneurs, freelancers, etc. As long as you can provide good bank statements and prove that you have good income every month, you can still get a credit card. of approval.
Not all users without stable jobs cannot apply for credit cards, and it does not mean that you can pass the approval if you have a stable job. The focus of bank approval is to see whether you have the ability to repay. In this case, as long as the user can prove his ability to repay the loan, although some people have stable jobs, but their wages are too low, they still cannot pass the bank's approval.
Credit card application process
If you want to apply for a credit card online, taking China Construction Bank as an example, the application process is as follows:
Click the "Online application for credit card" link on the homepage of the credit card website to enter Application page (or click the "Application" link of a product to enter the product application page) - select the location, application card type, customer type and whether to hold an online banking shield - new users choose no online banking U-shield, read and sign the receipt agreement ——Completely fill in the application information and submit after confirming the application information. ——If approved, an interview SMS will be sent. After receiving the interview SMS, the customer can go to any CCB branch near the statement address for an interview as soon as possible with the SMS and his or her ID card. .
If you apply at an offline outlet, you must first prepare the application materials required for the application, then go to the bank outlet to obtain the application form, fill it out and submit it together with the application materials, and then wait for the review results.
This concludes the introduction on how to apply for a credit card for freelancing and how to fill in the employer when applying for a credit card for freelancing. Have you found the information you need?