The success rate of applying for a credit card will be greatly improved. The reason is very simple. The initial purchase amount of bank wealth management products is 5,. If you have spare money to manage your finances, at least your economic situation is good. In addition, wealth management contributes a lot to the bank's income, so it is the best shortcut for housewives to apply for a credit card.

Second, the owner card with a car

Compared with the complicated information that ordinary people need to provide when applying for a credit card, the owner card provides less information, only with a driving license, and the success rate of application is much higher than that of ordinary credit cards. Ping An Bank's car card enjoys a 28% discount throughout the year, and Guangfa's owner card can also enjoy special services such as free road rescue and optional refueling, which is a must-have choice for home travel.

tip: only private cars in my name can apply for the owner's card, and neither trucks nor buses can apply.

Third, apply for supplementary cards

Full-time mothers have no jobs, and their family income mainly depends on the other half. Usually, their husbands' income level is not bad. Xiao Bian recommends that their husbands apply for a credit card master card and full-time mothers apply for supplementary cards, so there is no delay in credit card spending, and there is no need to consider repayment.

Fourth, provide multiple proof of assets

Although a stay-at-home mother does not have a work certificate, she can provide proof of family property to prove to the bank that she has sufficient repayment ability and the bank is likely to approve the card issuance. Proof of property can be real estate, car, time deposit or bank wealth management products in the name of the person.