Can I apply for a credit card without a job?

You can apply for a credit card without a job, not only if you have a job and a stable income. The bank ultimately judges the repayment ability of users. As long as users can prove their repayment ability, they can apply for a credit card without a job.

Specifically, people who don't have a work unit can apply for a credit card in the following ways:

1. If you want to apply for a credit card, you can deposit a certain amount of money in the bank that wants to apply for a card, you can apply for a time deposit, that is, you can put the money in the bank card, and you can also buy the bank's wealth management products, as long as you can let the bank see that the applicant has better financial resources.

2. Provide running water certificate. Credit card applicants can provide proof of running water to the card-issuing bank. If the running water is beautiful enough, it will also help to successfully apply for a credit card.

3. Provide proof of assets. If the card holder doesn't have so many liquid assets, he can provide some proof of fixed assets, such as real estate, vehicles, etc., which is also beneficial to the card holder.

what if I have no job?

I don't have a job, that is, an unemployed person. Can I apply for a credit card? What information do you need for a credit card application?

The two major application materials for a credit card are proof of identity and proof of income. If the applicant is unemployed, it means that one of the important application materials is missing. Actually, in this case, you can still apply for a credit card.

Proof to be submitted when applying for a credit card without a job:

1. Valid identity certificate

The same as the conventional processing method. Unemployed people also need to provide their valid identity certificate, that is, a copy of their ID card. You must be between 18 and 6 years old and have full capacity for civil conduct.

2. Proof of deposit

Before you submit your credit card application, you can open an account with the issuing bank and deposit a certain amount of cash. Of course, the higher the amount, the better. When you apply for a credit card, the bank will have a certain repayment ability when it sees that you have a deposit, which will also improve your success rate.

3. Certificate of residence

You can provide the bank with any of the water, electricity, coal or fixed telephone bills in the past three months. Applicants with personal property can also provide housing property certificates. After submission, the possibility of being approved will be greater and the amount will be higher. If you are renting a house, you can provide a lease agreement for public rental housing.

4. Social security certificate

If there is no income certificate, you can choose to provide personal income tax payment certificate or personal social security fund account payment details to the bank, which can also be used as proof of credit card.

If you only have an ID card, you can get a credit card with a low credit limit, but you can gradually increase the credit limit by swiping the card to reach a certain accumulated amount. If you can provide your own large time deposit certificate in our bank, you can directly get a credit card with a higher credit limit (the credit limit is determined according to the deposit amount).

Some netizens suggested that you can apply for the pig card of ICBC, as long as you have an ID card. However, the amount of application will be very low, which may be tens of yuan or even zero. However, if you use the card for 3 months and spend money in 5 yuan, the limit can be raised to 5, then use the card for 3 months and spend money in 5 yuan, and the limit can be raised to 1 yuan, and then it will be capped at 2, yuan.

generally speaking, it is very difficult for a formal institution to get a credit card without a job, and the amount of credit card is not high.

how can I apply for a credit card without a job?

Precautions for applying for a credit card without a job:

1. Provide proof of your own property

When a bank issues a card, it has to consider risks, and what it pursues is nothing more than the word "stability". The most important thing is that we need to prove that we have repayment ability, and personal assets are the best proof.

the property certificates we can provide to the bank include but are not limited to our own deposit certificates, property certificates, running water certificates, etc. Before submitting a credit card application, friends can open an account with the issuing bank and deposit a certain amount of cash. Even if you try to borrow some money first, it is useful to take it out later; If you are a homeowner, as long as you apply to the bank with a real estate license, you can generally pass the audit easily; If the liquidity on hand is not enough to guarantee the card assets, you can also lengthen the "front line", as long as you have a bank flow.

2. Providing credit certificates to banks

The credit information also reflects our repayment ability and willingness from a certain angle. If we can't provide a valid work certificate, we need to provide a credit certificate to the credit card bank we apply for, which requires us to pay attention to accumulating our own credit, maintain rational consumption, repay in full and on time, and stay away from credit stains. Credit information is in good condition, and no bad credit record can improve our card-issuing rate.

3. Handling during bank activities

During the bank's business activities and promotion, even if we have no job, the salesman will beautify our applicant's information appropriately to help us improve the card-issuing rate. This requires us to pay attention to some local activities of major banks at any time and strive to apply during the activities.

4. Give priority to online application

It is never recommended to apply online for a large credit card, but if we have no job and want to apply for a card, it is best to choose online application. Because the online application needs to provide less information, you can fill in the application information directly online, and there is no need to submit additional information. However, the required card application information must be complete. If you don't have a job, you can find friends and relatives to borrow money, fill in their company information and fixed telephone number, and cooperate with us to complete the bank telephone call back.

5. Apply to a bank that is easy to get the card

After testing, it is easier to approve the card: Bank of Communications, CITIC, Shanghai Pudong Development Bank, China Everbright (it is recommended to add official WeChat to the mobile phone, and approve it every second), Guangfa, Industry and Commerce (fill in the real estate company), Construction, Investment Promotion, Xingye, Ping 'an and Minsheng, and so on.

6. Apply for a supplementary card for your family's credit card

As the saying goes, "borrow a chicken to lay an egg". We can borrow the master card of parents, wives or husbands and ask them to apply for a supplementary card for us. The supplementary card and the main card enjoy the quota, and the main card repays the loan, which is also convenient to use.

7. Use the card to handle the card

Use the existing credit card to handle the card. For example, Ping An, China Everbright, Bank of Communications, CITIC, etc. can all use cards to handle cards. In this way, not only can the card be released quickly, but the quota will also refer to the quota of the existing credit card. The quota of the new card is basically above the quota of the existing credit card.

how can I apply for a credit card if I have no job?

It is very difficult to apply for a bank card without a job. You need to submit personal ID card, deposit certificate, social security certificate, fixed assets certificate, credit report and other information.

1. A valid ID card for residents. This is the information that must be submitted whether you have a job or not, and the age of the person who handles it is required to be 18~65 years old, just like the routine credit card processing.

2. certificate of deposit. In the absence of work certificate, you can provide your deposit certificate to the bank, because when you apply, the bank will judge your repayment ability according to your deposit information. If you have more deposits, your success rate in handling credit cards will be much higher.

3. Social security certificate. Without a work certificate, it is ok to provide social security certificates to the bank, because now not only the unit can help to buy social security, but also individuals can buy it, so the social security certificate can also be used as proof of handling credit cards.

4. Certificate of fixed assets. When you apply for a credit card, you can provide proof such as real estate license to the bank. The bank thinks that with a guarantee, even if you have no job, your credit card application will be approved. If you can also provide water, electricity, gas and other bank running water for nearly half a year, the success rate of applying for a credit card will be greatly improved.

5. Credit report, with no bad records.

Generally speaking, it is very difficult to apply for a credit card without a job. Only by proving your own property can you convince the bank that the applicant has the repayment ability.

How to apply for a credit card without a work unit

How to apply for a credit card without a work unit:

1. If the user is an individual merchant, you can provide your personal business license, your recent running income bill and tax bill for the last three months.

2. Users can handle certain assets, such as houses, cars, time deposits and other property certificates.

3. Students who have just graduated and have no work unit can ask their parents to apply for a supplementary card for you.

Conditions for applying for a credit card:

1. The applicant is over 18 years old and has full capacity for civil conduct;

2. Have a stable income and be able to repay the arrears on time;

3. The applicant's personal credit information is good;

4. Other conditions stipulated by the bank. Usually, when users apply for the first time, they can consider the general card launched by the bank, so that the bank will pass the examination quickly and get the credit card quickly, but the amount will not be too high.

users can apply for a credit card through official website, bank counters, mobile banking and other channels. When applying through online channels, users can know in detail the rights and interests contained in the credit card, the conditions for using these rights and interests, and at the same time know whether they want it most. After all, credit cards with more rights and interests can save users more money when using them.

Usually, you will get a new card in about 3 days when you apply for a credit card. After you get it, you can activate it. You can choose different channels when you activate it, such as bank counter, bank customer service, sending

SMS, etc. The cardholder can choose the channel that suits him, and then you can use it after activation.

users must return their credit cards on time after daily use, and they can't be overdue. If they can't return them on time, they can use installment repayment or minimum repayment amount, which can effectively reduce the monthly repayment amount and won't be overdue. In fact, if they can't return them on time, they can borrow money from their friends and return them later.

Generally speaking, the ultimate goal of running a credit card bank is to judge the repayment ability of users. As long as users can prove their repayment ability, they can apply for a credit card without a job. If the applicant does not have a job and wants to apply for a high credit card, he can only provide strong financial proof.

This is the end of the introduction about how to handle a credit card without a job and how to handle a credit card without a job. Have you found the information you need?